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

Truist allowed XXXX to be wired out of my account by a scammer without any authorization from me. I talked w a fraud person the other day and found out they are not federally insured for wire scams so they are saying its a XX/XX/50 chance I will get money back. I own a small buisness and this is impacting my business. Im mad and scared. I filed a police report and I am going to fbi on Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit card or prepaid card

I noticed I had a " charge-off '' reported on my secured credit ( with {$700.00} limit ) by america first credit union. I contacted them on the phone on XX/XX/XXXX to dispute this. On XX/XX/XXXX I received noticed that they have reported it correctly and it was a charge off as of XX/XX/XXXX. I stated to them this was incorrect that I requested the card closed on more than one occasion shortly after the balance was zeroed out at my local branch. AFCU dispute department claims they have had no notes from the branch stating I wanted the card closed. 
The last time a charge was made was XX/XX/XXXX in the amount {$36.00} which then put me to a limit of {$710.00} this is when a barrage of charges ( finance and late ) began that resulted in the charge-off amount of XXXX. So again this has been 1 year and six months of late fees and charges for going over my {$700.00} limit my XXXX dollars. Per the credit card act of XXXX they should have had my opt in to go over the limit which they did not. So for 1 1/2 years I was charged unfair and unreasonable fees to get this overage of XXXX dollars that should have never been authorized per the credit act. The act also states issuers can charge higher penalty fees only if they demonstrate to banking regulators that their costs ( collections etc. ) justify a higher fee. Under no circumstances can a fee for a late payment or an over-limit transaction be higher than the minimum payment you missed, or the amount you went over your credit limit. I was being charge XXXX a month for a card I stopped using for a year and a half. 
I was respectful in taking the stance I with AFCU that even though I requested closed at the branch that I should have double and tripled checked that it was indeed closed, they gave me a list of the times they tried to contact me and I told them I work graveyard shift and did not respond to calls, and with letters I discarded them as junk because I had no further business with them, due to the fact that I closed my account with them for my vehicle loan I had no further reason to conduct any business with them. Maybe if I still had my loan and was a customer with them the dispute department would have been more reasonable with customer service in giving a customer the benefit of the doubt that a mistake was made by the branch in not closing the account as I requested. In closing I hope they will resolve this issue on their end this was a secured credit card that was my money not theirs and to charge a customer for a year and a half of finance charges and exuberant fees is in my opinion not a fair and reasonable way to conduct business with the public. AFCU charge-off resulted in lowering my credit score and being able to get better rates to refinance my mortgage.
Product: Checking or savings account

Square inc. has been unlawfully holding funds through my checking account with them associated with my pos for my business XXXX XXXX XXXX They have gone against their own reflected calculations and arbitrarily given and taken amounts. Recently they have attempted to debit my business account XXXX usd for a balance owed. When in fact I am owed {$280.00} used. They have cause my business to be in shambles for months. They will not answer any of the numbers provided nor accept or give any solutions. They have no attempted I authorized debits and break our contract by avoiding solutions. small business owners stay away from square they will steal Your funds.
Product: Credit card or prepaid card

My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit. 
I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit. 
On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form. 
I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened. 
I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions. 
All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened. 
In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault. 
I am reaching out to you to help me get this investigation resolved once and for all.
Product: Mortgage

Ocwen charged me XXXX for postage for sending a notice of default when I was not in default. The payments were made within the grace period. I sent them information to prove this and they have not responded.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/2023
Product: Checking or savings account

In XXXX 2017 Wells Fargo Bank, CRM employees restructured my business relationship profile on my small business accounts and also reverse payments, blocked transactions when larger direct deposits where pending and what ever fees they created where payed after the larger direct deposits were posting and then after this incident they Bulled me by blocking my operation accounts cards with out warning ; they claimed I had abused my cards and accumulated over 70 NSF 's. in one year. ( LIE ) My bank statements prove other, and Now for the time being I ca n't do credit card transactions so when I got direct deposits weekly of {$5000.00} to {$13000.00} thousand from my clients I could not complete work I lost close too {$200000.00} Dollars in a four year contract and sells and clients. Five years of a great relationship and services with Wells Fargo also. A group of employees social engineered a procedure to break my relationship with Wells Fargo, Committing bank fraud and negligence. They allowed for my accounts to Continue to operate with a debit card status to collect more fees on the blocked cards and they also threaten my personal accounts with derogatory negative receipt massages. This has cause personal stresses on my family and defamation of my character. I lost my contractors and employees, I have to start all over. Also my family SUV repossessed due to slow payments, my personal bills are also damaged. I have reported this to the proper channels with in the bank and they tell me they have started a claim and have an ethics investigation going. They keep giving me the run around and twisting the truth. I had to go to a branch outside of my city to get some truth of this matter. They have restored some fees and also restored my cards, but this is not enough. My personal, family and business life, taxes, employees, all, has been hurt by this industrial espionage. Help me please!?
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports to make sure things were in order for me to purchase a house. While reviewing it, I discovered a Capital one account negatively reporting. 

While I am listed as an authorized user, this account belongs to my estranged husband I am not the account holder and have never been responsible for the payments or management of this account. Unfortunately, this account is currently reporting negatively and having an adverse impact on my personal credit. Since I have no legal obligation or control over the account, I am not liable for the debt or any of its negative consequences on my credit. 

Please confirm in writing once my name has been removed as an authorized user, and the tradeline has been deleted from my credit report. I expect this matter to be resolved promptly, as the inaccurate reporting is causing unwarranted harm to my credit profile. 

I appreciate your prompt attention to this matter. Please feel free to contact me at the phone number or email address listed above should you require further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

received notification that my credit was checked from STATEWIDE CREDIT SERVICE on XXXX XX/XX/2022 without my consent. I called them to figure out what was going on and they were very rude and hung up. I have had issues with them before as they called my landlord and they shared my personal none public information with the landlords wife and they are both in XXXX XXXX NY thinking the landlord wouldnt tell me. I believe they did this inquiry to found out my new address. These people are violating the law and have absolute disregards to adhering to your department and the Law, and I need this to cease and desist and fined according to the FACT ACT and regulation V. Please advise/ Regards
Product: Credit card or prepaid card

Chase Freedom Unlimited charges interest rate for transactions which have been paid off as long as there is an outstanding balance. On XX/XX/XXXX I had an outstanding balance of {$2600.00} for which I was charged {$49.00} in interest rate. On XX/XX/XXXX I had an outstanding balance of {$850.00} and was charged interest of {$77.00} After speaking to a Chase representative, I was told that as long as there is outstanding balance Chase charges interest rate on every transaction irrespective of what the final outstanding balance was.
Product: Student loan

My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Account on many occasions with XXXX, Transunion and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Product: Mortgage

Our Mortgage has been with Ocwen for the last 10yrs, we have always paid our mortgage through their XXXX XXXX  XXXX  XXXX  with no issues on the 1st or 3rd of every month. Ocwen just went through a merger or purchased another company I am not sure the response emails have listed a XXXX XXXX  XXXX and we have not received any correspondence from XXXX XXXX  XXXX but when I called on XX/XX/XXXX to pay our mortgage the system did not recognize our account number and there is an automated message that says " you may or may not have received a new acct number please call our customer service line '' I made 3 attempts to call the number given XXXX each time I have been on hold for 25-30min there is a beep and the line goes dead, I called on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX with the same result. I also submitted a support request on the Ocwen website on XX/XX/XXXX, I received a system generated response to call the same phone number listed above and had the same result, the message also stated that someone from the mortgage company would contact me within the next 5-7 business days which has not happened yet. I want to maintain my good credit rating and all I am trying to do is pay our mortgage but we are unable to speak to anyone within the company and the phone numbers are not working.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX BANK 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  BANK 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Im not aware of this debt. It keeps showing up on my public report and it increases monthly. Dont know what it comes from and never agreed to this arrangement
Product: Debt collection

I had just received a letter from Portfolio Recovery Associates. Monday XX/XX/2018. The letter is dated from XX/XX/2018. Portfolio Recovery Associates claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from PRA requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Original Debt amount : {$2000.00} Current Balance : {$3800.00} Paid by XXXX XXXXXXXX Discharge Loan Type : XXXX XXXX I have reached out the the company several times about having the account removed and marked as paid and closed. I have reached out to transition about having the account marked as paid and closed! 
I keep getting nothing done about it. This is affecting my credit score as I am trying to buy a house! 
Please help me get this situation fixed!
Product: Credit reporting or other personal consumer reports

I paid off my auto loan with XXXX XXXX XXXX in the amount of XXXX on XX/XX/2023. As of XX/XX/2023, XXXX months later my account is reporting as XXXX days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.
Product: Mortgage

After years, my mortgage bank suddenly decided they didn't like the way my address was shown on my homeowners insurance policy and I had to change it. My insurance company declined to requote my policy. I found coverage elsewhere, but there was a period of 12 days when I did not have homeowner 's insurance. Now the bank agrees that I'm currently covered, but they are trying to force me to pay for insurance coverage for the 12 days I was uninsured. That could serve no purpose since the coverage for it would have ended weeks ago, after I got my current policy.
Product: Debt collection

I am submitting this complaint because I received a notice from Transworld Systems XXXX regarding a debt I allegedly owe. I have requested debt validation from the creditor, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), but they have failed to provide sufficient documentation to verify the debt. Specifically, I requested : Proof that I am legally obligated to pay the debt. 
The original creditor 's name and contact information. 
A breakdown of the debt, including any interest, fees, or additional charges. 
Documentation proving their authority to collect the debt. 
Despite my request, I have not received the necessary documentation to confirm the legitimacy of the debt, nor has the creditor provided a clear response. As a result, I believe this debt XXXX not be valid, and I am requesting that the CFPB investigate this matter and assist in ensuring that the creditor complies with debt validation requirements. 

I also request that the creditor cease all collection activities until they can provide proper validation, and that they remove any inaccurate reporting of this debt to credit bureaus.
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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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. 


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: Debt collection

AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
Product: Credit card or prepaid card

CapitalOne is a fraud I made payment by the statement date and was still charged interest. I called to get the interest charges refunded but customer service agent lied and didn't provide correct information.
Product: Checking or savings account

Trying to use XXXX  to invest once baks accounts but they blocked it