23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 45+ days Experian.com site is not allowing my to access my own credit report .... I keep getting error message that I need to call them to dispute info, and when I do I'm on hold for 45 + minutes until someone answers the phone makes me answer all the questions and then tells me to go on line to file any disputes after I got finished telling them that Experian site is not responding ... .rep tells me they can't file any disputes for me and I have to do it in writing. When I write I get a mail post card telling me to go on line to file dispute on line but the site it NONE responsive see attached.. 
This is a never ending loop consumer is being put in, and Experian is ignorant non responsive and isn't this a violation of f.c.r.a.? I should have free access to my own report, instead of forcing clients to call in and pushing us to purchase monitoring .... 
this is forced selling and their message about " dark web '' is scare tactic sales and is totally unethical there should be order there should be open access for consumers to their own information
Product: Credit card

Capital one need to stop using my name for credit card I believe someone is using my name for this credit card I receive emails about a credit card I believe it's a fraud and scam and so I am complaining and filing a complaint on capital one.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. 
Case law in XXXXXXXX XXXX. Trans Union, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
I am demanding the proof be provided that these hard inquiries are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested corrections ( delete ) on the following hard inquiries XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. 
Please provide me with an update report within the XXXX  days established by law
Product: Checking or savings account

Problem is with bill pay sending checks to non digital local businesses. Checks for these are treated as corporate checks and deducted from my account before they are cashed by the payee. I checked the BMO Digital Agreement which indicates that traditional checks are not deducted until presented for payment. I asked BMO about this and I was told by several BMO employees that this was the way bill pay works and I should check with the. Payee to make sure they received the check even though the amount was deducted from my account. Examples : XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX. In XXXX. I realized that the check was never cashed by the recipient when I received the next bill. Eventually the debit for this check was reversed but BMO did not respond to why this was not treated as a traditional check as the digital agreement states. 
XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX but it was not cashed by the recipient until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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

I was alerted by Experian ( the credit reporting agency ) that I had an update to my credit score on XX/XX/XXXX. I logged in to find that my score had dropped 134 points. I see that two accounts by the name of XXXX XXXX XXXX were opened in XX/XX/XXXX in my name in the amount of {$680.00} and {$530.00}. Apparenty these now are in collections. I called Experian to report fraud and was advised to file a report on ftc.gov but due to the nature of the fraud, I was redirected to this website to file a complaint. It should be known that I do have an open federal class action case against three individuals who stole my mails along with thousands of others and were opening cards.
Product: Checking or savings account

Company finally closed my account on XX/XX/21 in the amount of {$3500.00} with the line item stating " transfer withdrawal. '' They have not sent any form of confirmation as to WHERE my money is and how long it will take to be received by me or anyone else.
Product: Debt collection

Telerecovery is trying to collect on a debt I don't owe, The contract Ended/Cancelled- " No Contract '' Telerecovery is reporting an inaccurate balance, past due amount, and a balance owed ( violation ) on my credit file, I never received a dunning letter, a phone call, or anything stating I owe this debt before it was reported to XXXX  , XXXX  , and XXXX, I have been sending in letters of dispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) asking for validation of this debt and a signed contract bearing my signature -- Telerecovery has FAILED to respond, I DEMAND THIS ENTIRE ACCOUNT BE DELETED IMMEDIATELY -- it is giving me a negative mark on my report and is making it hard for me to obtain credit
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3800.00} XXXX  XXXX Balance Owed : {$7900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$1600.00} XXXX  XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I filed a case with CFPB on XX/XX/XXXX, case CFPB case number XXXX. 
This case is showing resolved in your website but I never received anything from CFPB stating how it was resolved and would like a copy. Wells Fargo sent me a letter dated XX/XX/XXXX and  XXXX showing a debt discharged of XXXX in XXXX XXXX. This is incorrect, I made a payment of XXXX to Wells Fargo phone payment on XX/XX/XXXX. I would like to know if Wells Fargo wrote the XXXX balance off so they could receive full TARP money on this loan that was originated with XXXX. Next question has and is Wells Fargo been doing this with all Tarp loans that they received. I can send you a copy of the XXXX
Product: Mortgage

It started with XXXX XXXX XXXX, they told me to miss a couple payments and they could do a modification. I returned the usher, and each time they would say I didn't turn in a certain page, I'd resend, and then it'd be another page. Long story short they made s sell date and I called the Tennessee General attorney, who then called XXXX, and the next day they sold my loan to Nationstar. They said the modification would transfer to Nationstar. I called nationstar multiple times and they kept saying it'd take time to receive it. Next thing I know I'm getting foreclosure papers. The fees they were charging were more than what I originally owed. I couldn't come up with $ XXXX so I filled a chapter XXXX bankruptcy. I paid on my bankruptcy got three years, and my lawyer advised I should cancel the bankruptcy and pay the issues due. He stated he speak with them. My bankruptcy closed in XXXX, and I have a sale date less than three months later. I received an application for a modification to weeks ago that was date for XXXX. I never received any papers about foreclosure. A couple was outside my home, and u asked if I could help them, and they advised my home was listed for sale. I immediately called Nationstar ( Mr. Cooper ) who advised me of a sale date less s week and a half away. I asked for a reinstatement amount, and was advised I had to pay {$11000.00} by Monday XXXX XXXX XX/XX/2019 by bank wire transfer. They never notified me of foreclosure, they wouldn't work with me at all, even though I had the money to catch the loan up, and again, they are charging more in fees than what I owe.
Product: Money transfer, virtual currency, or money service

Yesterday I opened up my Robin Hood account and everything was fine. Then early in the day I noticed that my stocks were selling on their own. I try to login and then found that I was logged out. I tried the password recovery and never received the recovery link, which makes me assume that whoever hacked my account changed the associated email. Apparently they have opened up a robinnhood debit card in my name and have siphoned off {$5000.00} already. There is a {$5000.00} limit on the card so they will take the remaining {$5000.00} today probably. I have tried to call Robin Hood, they have no customer service number and have not responded to any emails. The debit card is drawn off XXXX XXXX and they have not done anything and refuse to. I have called XXXX and they say they cant do anything either. So Im really confused as to why three different companies cant do anything to shut down a fragile and debit card when all three of these companies are linked to the debit card. Absolutely atrocious that Robin Hood can allow fraudulent people to open debit cards under my name and then siphon funds from my account and not allow me to contact them. Please help. To be honest, I really think that this is an inside job with robinnhood since Ive had multiple problems with them and just recently threaten to sue them. Then this happens?? They had just exclusive access to my Robin Hood, seems really fishy to me
Product: Credit card

I had a Checking Account, Savings Account and Charge Card with SunTrust. They merged with another bank and became Truist Bank. From day one I had a problem with Truist online banking. I closed the Checking Account, Savings Account and Charge Card in XXXX. I received no further statements from Truist. In XX/XX/XXXX, I received a letter from Truist Bank, stating I owed them {$20.00} in late fees and Interest on purchases made to my charge card. I contacted Truist Customer Service and told them I had no charge card with Truist Bank, that they were closed in XXXX and I had not received any Invoices. I asked then to send me copy of the charge statement and to open a Dispute against the charges. They opened a Dispute, Case # XXXX. I they received another letter stating I owed then more money for Interest and Late Fees. I also received two Statements. A statement for XXXX showed one charge for {$150.00}, showing a charge made to XXXX, XXXX ( a XXXX XXXX company ) and a second statement for XXXX showed three charges for {$150.00}, showing all three charges were made to XXXX, XXXX ( a XXXX XXXX XXXX XXXX Company ). I contacted Truist Fraud Department and had them also open a second Dispute Case # XXXX. They stated that all charges were made to credit card XXXX.I told them they need to close all Credit cards associated with my closed accounts. They closed accounts for Credit cards XXXX and XXXX. They closed all credit card accounts. They further told me that the credit card was issued in XXXX. I told them I never received any Credit cards. They could not tell when or who activated the credit cards. I went to the Truist bank closes to me and spoke with XXXX XXXX, Senior Relations Banker. She contacted Truist Bank, and they told her the Disputes had been transferred to account XXXX form account XXXX, because XXXX was the main account holder. I began receiving statements from Truist Bank stating I had past due Interest fees and Late charges. I went to the local XXXX Department and spoke to a XXXX XXXX. He contacted Truist Bank Customer Service, and they told him the Dispute cases were still opened and the Disputes would be resolved within 60 days. I filed a case With the Government Identify Theft Department. This is XX/XX/XXXX, and I am still receiving statements showing the Interest and Late charges still coming and the current balance is {$400.00}, up from the initial charges of {$310.00}. As of this date they told me the two Disputes are still open.
Product: Checking or savings account

Pen fed is scamming people out of money. I have multiple cd due. 
They hold your money. My cd expires on XX/XX/XXXX and they say my money is not available until XX/XX/XXXX. This is a lie no other institution does this. They claim it is done by midnight on the XXXX which it is not. My funds should be avail on the date the cd matures.by close of business day Then I put a wire in and they say the wire first thing in the morning which they say turnaround takes 3-4 hours they extensively verify my over the phone. 6-7 hours later they have not processed my wire, when I call they say are taking extra precautions What precautions they are not contacting me to verify again. This is another stall tactic to not release my funds. They did not process my wires on a timely basis. They kept stalling. Absolutely horrible experience. 

This is a scam so they can keep my money for 2 extra days with out paying interest. It is a nightmare and they are no tho orI g maturity dates on their cds or honoring their wire transfer on a timely basis
Product: Credit card or prepaid card

I simply sent my remittance coupon with ucc codes with letter with my signature for payment to bearer. The bill of exchange could have been in many others forms I could open a lock box as well I sent this registered mail a week ago. Today I received strange email no letter or correspondence that Capital has closed all of my accounts. Because I sent in a remittance coupon as holder in due course. These creditors are acting like we live in circus as they constantly are accessing my information from credit bureaus that is completely controlled by circus of billing errors and without my written consent constantly surveil for extracting any money then can get on high interest payment which I am paying. Very high interest. Capital One is in dishonor and clearly out of line as I need to credit cards for household purchases. I also see they have sent me a credit alert from experian report soon after they closed all 3 accounts in good standing.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to explain to them that I have never opened an account with them. And as a matter of fact I was XXXX when the account was fraudulently opened. I told them this and asked for them to remove their reporting from all 3 credit bureaus that they are reporting to. It has been over 30 days and they have yet to remove their fraudulent charge from my report. They are affecting my ability to get a good finance rate on a car loan. I am requesting they remove this fraudulent charge immediately. Thank you.
Product: Debt collection

I began receiving calls from an unknown number on XX/XX/2018. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/18 she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated XXXX XXXX XXXX or XXXX. He proceeded to tell me that Bank of America was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which XXXX Bank of America would proceed with a lawsuit. I stated that I would like to speak with Bank of America and he said he could not provide any contact number for his client. I advised him that I would still be contacting Bank of America. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/18. The debt I had from Bank of America is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number XXXX XXXX XXXX XXXX, it comes up as the number to a property manager. When I look up the business name they gave me, AXXXX XXXX XXXX, no business comes up, only the definition for XXXX XXXX XXXX
Product: Mortgage

The Mortgage Holder SPS Got My Mortgage From XXXX XXXX, XXXX XXXX  XXXX. The Present Company SPS Are Worse Than XXXX XXXX. I Lost My Business In 2020. Pandemic. Since Then It Has Been A Nightmare. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, The Balance On Loan Is Going No Where. Help Please
Product: Debt collection

A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.