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

Money was XXXX out of my account so many times back to back and when discover it I contacted my bank. But they refuse to refund me on ground that they do not have regulatory agreement with XXXX XXXX. When I contacted XXXX XXXX they told my bank will have to contact they and that they do not deal directly with a customer for refund. I contact my bank and relayed this information to them. They repeated their same answer to me that they do not have regulatory agreement with cash app and I have to talk to them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because Experian and XXXX  are denying me a dispute claiming I already disputed and no longer have rights to a dispute. Experian never responded to my complain so I attempted a new one and now I am being denied. 

Also, XXXX is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act 15 U.S.C 1681 and Fair Debt Collection Practices Act 15 U.S.C 1692 Account Adjustment Bureau XXXX XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Adjustment Bureau # XXXX has been reporting inaccurate information to my credit report for almost 7 years now and violating my rights, I have never given Account Adjustment Bureau permission to furnish anything on my credit report. Account XXXX is reporting {$5000.00} on my credit report which is incorrect. Ive disputed this before with XXXX as well as provided documentary proof that this company Account Adjustment Bureau is reporting false amount according to the IN THE JUSTICE OF THE PEACE COURT OF THE STATE OF DELAWARE IN AND FOR XXXX XXXX COURT NO. 16. I demand Account Adjustment Bureau to immediately cease reporting the incorrect account to my credit report and remove the item from my credit report or I will file for litigation from the stress this company has caused me for almost 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated. Also the creditor name, phone number, addresses and names are all not matching on my credit report which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Equifax for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at Equifax Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

Equifax negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but Equifax refuses to remove accounts. 

Equifax has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. Equifax is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but Equifax refuses to follow the law. This is why Equifax is constantly getting sued because they are refusing to obey and follow the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute XXXX. XXXX XXXX ( Account # 1 ) Date Opened : XX/XX/XXXX Balance : {$5900.00} Original Credit Limit : {$5000.00} Status : Account charged off. {$5900.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The reported balance exceeds the original credit limit by {$920.00}. This discrepancy raises concerns about the accuracy of the charges. I request verification and a detailed breakdown of how the balance was calculated, including any fees, penalties, or interest applied after the account defaulted. 

XXXX. XXXX XXXX ( Account # 2 ) Date Opened : XX/XX/XXXX Balance : {$1300.00} Original Credit Limit : {$1000.00} Status : Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
Reason for Dispute : This account shows a balance exceeding the original credit limit by {$330.00}. I request verification and clarification of how these charges were incurred and calculated. 

XXXX. XXXX XXXXXXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. 

Summary of Dispute The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. 

Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal. 

Requested Actions XXXX. Conduct a full reinvestigation of the accounts listed above. 
XXXX. Provide written validation and documentation supporting the reported balances and statuses. 
XXXX. Correct or remove any unverifiable or inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to transfer {$10000.00} from my bank account with Citizens Bank to an account I have with XXXX XXXX XXXX XXXX XXXX. I went through the process of verifying my AAFCU account with Citizens Bank, but my transfer was flagged as possible fraud, the transfer cancelled and my account frozen. After multiple attempts to get it unfrozen, I was able to clear the matter up with a Citizens representative over the phone on XX/XX/. I was told to initiate another transfer, and that there would be no issues on the next one. I proceeded to initiate another transfer of the same {$10000.00}. After several days of it not appearing in my XXXX  account, I contacted Citizens Bank again regarding the transfer. I went into a local branch and dealt directly with a representative. He called the banks transfer department and was told over the phone that Citizens had definitely transferred the money and that XXXX must be holding it. I contacted XXXX and they said they had no record whatsoever of any transfer for any amount from Citizens Bank. Today I spent over an hour on hold to finally speak to someone at Citizens, who finally admitted that some mistakes were made but still made the claim that Citizens had attempted to send the {$10000.00} to XXXX, but that my credit union didn't verify that the account belonged to me so they wouldn't allow the credit union to accept the funds. The representative claimed that once they put a hold on the {$10000.00} until XXXX verified I owned the account I was sending money into, even though I had verified it before I was even allowed to attempt to transfer money. Then something timed out and they froze my account so they were " unable '' to return my money. They said that they're going to try returning the money now, but it's going to take several days to appear back into my account and there is nothing they can do about it. This seems insane, since they never actually sent and money in the first place. They've been holding {$10000.00} of my money and have not allowed me access to it for almost 3 weeks.
Product: Mortgage

I had to change my bank account last year. 

During this period Nationstar had problems changing their internal system over to my new bank account. 

During this time when their billing system was failing, they reported one of my payments late. 

This was a payment of {$1200.00} in XX/XX/2018. 

I've been paying a mortgage on this property for 21 years. 

Only this one payment has been late, due to Nationstar 's billing system problem.
Product: Credit reporting or other personal consumer reports

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING XXXX XXXX XXXX permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, XXXXXX/XX/XXXX XX/XX/XXXX, you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account when I tried to transfer money to my debit card.They wouldnt tell me why and now XXXX XXXX  is stuck in the account for 180 days.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.
Product: Vehicle loan or lease

Honda Financial Services had my vehicle XXXX XXXX XXXX repossessed on XX/XX/XXXX XXXX. I've spoken with one of the managers regarding a payoff quote XXXX XXXX on XX/XX/XXXX. His response was how are you going to pay it? I've sent several letters to XXXX and they are not working with me to sort out my request. I've made them aware of my situation being behind on payments and I was threatened that if I don't pay I will lose my vehicle. Pursuant 15 USC 1692a4 Honda was paid up front. Pursuant 15 USC 1681b ( 2 ) insurance is supposed to be included in my finance charges and I've been paying for insurance they should have provided. I cease and desist all communication and the loan. Pursuant 15 USC 1692 D ( 5 ) communication has been a violation on XXXX 's behalf. Calling me at inconvenient times whilst working is a federal offense. XXXX has hired another company XXXX XXXX to detain my vehicle which is against FEDERAL Law. XXXX is in violation of my rights by having my vehicle taken without my consent with a third party. As of XX/XX/XXXX there's still a positive balance of {$11000.00}. I'm a consumer and natural person with rights and I demand my vehicle be released as soon as possible. This has stopped me from taking my kids to school and getting to and from work. This has taken a toll on me mentally, physically, and emotionally. The contract that I was sent is null and void. Also, as per Truth in Lending Act specially states that I the consumer can cease and desist and also cancel this contract. That disclosure was not provided at sale and my contract was sold to a third party at the time of sale.
Product: Checking or savings account

I got scammed and Wells Fargo didn't provide stringent security measures to avoid it from happening.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have previously reported this information and requested method of verification. I have requested documentation proof of this information being accurate and have not received neither. I did not authorize these inquiries PLEASE remove them immediately. 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  I have not been provided as requested method of verification or documentation that justifies proof that these erroneous accounts are accurate and in fact reporting per FCRA requirements. PLEASE REMOVE THESE ACCOUNTS. Equifax 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this account.
Product: Debt collection

Select Portfolio Servicing is attempting to carry out an illegal foreclosure sale against my homestead residence without any right to do so. Below, I will highlight the reasons this is a wrongful foreclosure action in XXXX XXXX Florida. 

1. This wrongful foreclosure case began on XX/XX/XXXX, more than 13 years ago. 
2. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Docket # XXXX ) 3. Discovery was compelled to Plaintiff to prove Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Dockets # XXXX, XXXX, XXXX, XXXX, XXXX ) 4. Eight days later, Plaintiff filed notice of dismissal on XX/XX/XXXX, since they would not respond to compelled discovery to prove Standing. The effect was the Plaintiff admitted a Lack of Standing. ( XXXX Docket # XXXX ) 5. The requirement that a Plaintiff must have the right to foreclose has never been proven by this Plaintiff, which is unlawful. 
6. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, XXXX ( XXXX Docket # XXXX )
Product: Student loan

I'm being charged for a loan when I told the university XXXX XXXX college that I would not be able to attend due to health crisis and I dropped out of the program yet they went ahead and processed the loan as if I never stopped attending. I was dismissed as nothing could be done but there seems to be something.
Product: Mortgage

I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. 
if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. 

Loan number : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint about this on XX/XX/21 because I have never gotten a monthly billing statement yet they continue to take money out of my account each month as the payment is due. My responsibility is to make the payment and I am but they arent doing their part by sending a statement. Their original reply to my complaint is that they have been sending statements and its not their fault if the mail causes me to not receive it. 

I just called them today ( XX/XX/21 ) because I still have no statement and spoke to XXXX. He told me that my statements werent toggled on to actually have one sent to me and that he fixed it. But they lied in their first response to my complaint and have violated the fair credit billing act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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: Mortgage

I want to file a complaint regarding 2 missing house payments that are not being accounted for by my mortgage company. I did not miss any payments for XX/XX/XXXX until XX/XX/XXXX. I started getting behind on my payments XX/XX/XXXX. I missed XX/XX/XXXX and XX/XX/XXXX, then I started paying my house note on XX/XX/XXXX for {$5200.00}, paid {$5200.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5100.00} on XXXX, paid {$360.00} on XX/XX/XXXX suspense shortage, paid XXXX on XX/XX/XXXX suspense shortage, paid {$12000.00} on XX/XX/XXXX, paid {$3000.00} on XX/XX/XXXX thru XX/XX/XXXX. I have paid a total of 9 months of payments to pay my house notes. XXXX XXXX XXXX XXXX is only accounting for XXXX payments which is incorrect. Please review all documentation enclosed. I have order a total print out from XXXX to clarify payments and other institutions. However all payments up to XX/XX/XXXX is on my account activity loan payments from Bayveiw Loan Servicing LLc. And all the payments from XX/XX/XXXX until XX/XX/XXXX I have. I am in the process of a loan modification that is approve on XX/XX/XXXX. However I donot want to close on it until this error on the monies paid are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted XXXX by phone today XXXX/XXXX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is Jefferson Capital.
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 XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX