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

On the date of XX/XX/XXXX I had to contact found bank that I was completely locked out of my account phone number and email had been changed. I provided identification verification to have them freeze my account until I could regain access to my account. Once I regained access to my account I seen that two money transfers were made on XX/XX/XXXX one in the amount of XXXX and the other in the amount of XXXX back to back and there is no option to dispute them on the mobile banking app so I called for live support and they said that there was nothing they could do that I would have to contact risk support that assisted with recovering the account so I did and they messaged me stating I would have to make a claim before they could continue with the investigation and I replied on how or what I needed to do and they still have not replied to further help me in the process to recover my funds and I called again and they assured me to email them again and still have not got a reply or response on how I would begin the process to resolve the issue
Product: Credit reporting or other personal consumer reports

I am sending this request again to dispute the inaccurate reporting of a XXXX account on my credit report. Upon reviewing my credit report, I found that XXXX is reporting the information correctly, while the XXXX and TransUnion credit Bureaus is not. XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX XXXX XXXX  using a XXXX XXXX XXXX XXXX XXXX Card. When I received the XXXX XXXXXXXX XXXX billing statement I paid the bill in full from my business account but for some unknown reason the amount was refunded back to my business bank account a week or so later. The next statement included the original amount plus a late fee and interest fee. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  Card and they refunded the late fee but not the interest fee. They instructed me that I should go online and attach proof that I paid or attempted to pay the original billing statement amount, but for the last month their web site has informed me that due to a system problem they can not receive attachments. I have now paid the original amount from another account but I am disputing late fees and the interest fees. I opened a case with them but now they have sent a new bill with another late fee and interest fee. It was my understanding that if I opened a dispute they would not charge me late fees and interest until the dispute was settled. They have informed me they would be in touch with me but they have not answered any of my messages online, nor have they emailed me. When I call them I am usually on the phone for at least an hour and I have to talk to a manager but they have informed me there is nothing they can do to cancel the fees. My case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I use to have a car loan with financial Lobel but it didnt last because the car was really bad kept on breaking down and also I was young I didnt look at the interest rate which was really high so I had submit my last payment in XXXX and call them for a volunteer surrender I explain to them why So they agree with me and told me that they will sell the car in auction The loan was XXXX They sold it for XXXX They also mention that I didnt have to paid anything at all thats left So for some reason they kept on adding random charge to my credit kept on putting late payment which is not true Every month my credit kept on going down because of them when the account was to be closed a while back
Product: Credit reporting or other personal consumer reports

Stated According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My husband died XX/XX/XXXX suddenly. With his death I could no longer afford my home mortgage with Selene Finance located in XXXX, Texas. I lost 70 % of my income when my husband died. I owed {$140000.00}, I discussed alternatives with Selene Finance as I fell behind in payments. I was actually told the best thing would be to surrender the house ie deed-in-lieu of foreclosure. This was XX/XX/XXXX. I was told to vacate the property within 30 days. I had only a short time to find a new place to live. I was told to make sure the home was swept clean and emptied which it was which I borrowed money and my family generously paid my moving expenses. I thought all was decided and the mortgage company said that if I did the above I would receive {$2000.00} upon move out date XX/XX/XXXX. I complied ... ..It is now XX/XX/XXXX and I have received nothing but grief and excuses from this company and finally went to legal aid and got some advice from an attorney advocate who told me that they were not allowed to ask me to move at that time and that the move was emotionally and financially devastating besides grieving the loss of my husband. A realtor tried to do a short sale and was offered {$110000.00} which was a great offer but the person XXXX XXXX with Selene Mortgage has sabotaged everything that we have tried to settle this. The realtor has worked with him as well as the attorney advocate and no one can get this situation resolved which i think he just wants to foreclose and why I don't know, His company will make a lot less money by foreclosure and he will not get {$110000.00}. for the property, The longer it sits empty the more it will depreciate. It already has siding missing from a storm which my insurance company wanted me to pay a {$2000.00} deductible on. I did not have the money to do that. I am at my wits end with Selene Finance. Mr . XXXX finds one excuse after another. I am a XXXX year old widow who feels after evacuating my home, lost all my money and feel as if everything has been taken away from me. I have documents proving that I was told to leave my home in 30 days and that I would receive a {$2000.00} 'Relocation Assistance ''. Never seen a cent ... .worse than all of this I can not grieve the death of my husband due to dealing with this everyday since his death. There seems no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
XXXX XXXX No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with PIF IncXXXX XXXX XXXX XXXX This matter has caused significant financial hardship and emotional distress, and I seek your urgent intervention. 

Despite numerous attempts to dispute this inaccurate debt/collection account, the account continues to report on my credit report. I have contacted IPF numerous times for which they have stated that they have NO record that this account has ever belonged to me and are therefore unable and or willing to provide the proper debt validation documentation that I have requested. 

This continues to be utterly shocking and distressing as I have continued to request validation of this debt with XXXX response from IPF. Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX, XXXX and XXXX XXXX as well as IPF. They ( IPF ) confirmed that the account is not verifiable. Despite their acknowledgment, the collection account continues to be inaccurately reported by IPF to XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my credit score, making it difficult for me to secure loans, housing, and other financial opportunities. The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Their continued predatory practices and blatant disregard for my consumer rights, needs to be addressed. The continued lack of response to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}.
Product: Checking or savings account

I received a text stating someone was trying to transfer {$3500.00} to a person I do not know on XX/XX/2022 The text asked if it was me that initiated the transfer or not, I replied no and then the text said a Bank of America will contact me. Three minuets later a XXXX number contacted me and sounded professional and told me to XXXX {$2000.00} in one instance and another {$1000.00} in a different instance. Both was sent and I was told it would be credited to me within 48 hours so whoever was trying to get the initial {$3500.00} won't try again. It has been 72 hours and I did not receive anything. I contacted my bank and filed a report for the scam and my investigation is ongoing and will not hear anything for 10 business days on whether or not I will get my money credited back to me.
Product: Credit card

I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, am filing a complaint against Equifax Information Services LLC for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ), I, XXXX XXXX, never gave Equifax Information Services LLC the written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my information, therefore you are in violation. You are also in violation pursuant to 18 U.S. Code 1028 ( a ) ( 2 ) ( 5 ) ( 7 ) ( b ) ( A ) ( ii ). In this letter I received from Equifax Information Services LLC, dated XX/XX/XXXX, is proof, and admission of the violation ( s ) which is high lighted ( See attachments ). Equifax you are being fined for {$1000.00} ( per ) violation ( s ) and must send check via mail to my address on file via ( CFPB ) portal. Failure to comply will also be a violation pursuant to 15 U.S. Code 1681n ( a ) ( A ). You, Equifax Information Services LLC admitted on your letter obtaining my information from a 3rd party vendor, however, this is a violation of The Privacy Act of XXXX, as amended, 5 U.S.C. 552a. You are also in violation ( s ) of the FCRA as well for reporting inaccurate information and without any of my consent. In your dispute/letter you stated everything is accurate which is false and misleading information, and you didnt comply with the Law sending me my certificate of accuracy pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS so, however, you are in violation. I am putting you on notice of your violation ( s ) failing to comply will be a violation pursuant to 15 U.S. Code 1681n ( a ( A ). Best regards!
Product: Credit card or prepaid card

my identity got stolen a while back, they've been getting jobs using my name and opening up bank accounts. Victoria secrets for XXXXon XX/XX/17
Product: Checking or savings account

This is a follow up. On XXXX I was returning to the station XXXX n. California in XXXX. The back doors were closed. I went in through the front doors with all my equipment. As I walk to the cage to punch out. XXXX XXXX screams, '' Let 's go get it ''. XXXX XXXX responds, " let 's go, because there is a rat here ''. XXXX XXXX walks right behind me. I pulled my wallet to scan my Badge. Place the wallet on the desk. Punched out and return the scanner to its station. Went to see if I picked up wallet. It was not there so I assumed is in my purse. I did not touched my purse until today to get my wallet. I could not find it. I remember that when I checked where I put it, it was gone. XXXX XXXX was in the cage with me. I made a police report. # XXXX. There was also a few incidents in which they are trying to get my finger prints. Consult a mail carrier used my mail truck on XXXX. She left a Clear plastic gum pack. And it had tint on it. I cleaned it out with wipes. I used glovesand the tint did not came out the gloves. I will send you pictures. Thank you.forbyour time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized credit inquiries XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since XX/XX/2019 's bankruptcy, mortgage not included, is listed closed on my credit report, even though I have continued payments including huge increased amounts added to monthly payment, my choice of home insurance being paid directly to insurance agency was changed ( without my request ) to an escrow by mortgage holder. I received an email from my password with this mortgage agency and forwarded these discrepancies to their headquarter and the Attorney General 's Office to no avail nor response. To-date, no report of payments since XXXX  is posted to the Credit Bureau XXXX My on-line communication and messaging were frozen and unable to download to view visually.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My complaint is against Experian : Experian has gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to falsely show as if I have New Collections, and Charge Offs from XX/XX/XXXX, through XXXX of XXXX, thereby destroying, and slandering my credit. 

Consistently they do whatever to lower, and keep my credit score at a FAILING level. 
Positive updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXXXXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX of XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the Better Business Bureau, regarding XXXXXXXX XXXX. 

For years Ive made complaints about XXXX, for all of the same reasons, plus more, like in this ALERT. 

**** TODAY, MY COMPLAINT IS SOLELY ABOUT EXPERIAN as it relates to the reporting of the old XXXX, and their cohort collectors, and the other NEGATIVE derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from XXXX lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Experian has gone through my whole credit file, and has lowered my credit score, even lower to the 500s. 

Someone at Experian, took ALL old XXXX Negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian has removed the original XXXX status history information, so as to make this New false fraudulent information look as though it is accurate. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection in the amount of {$8500.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never attended this school. This account does not belong to me and is being reported in error. The school has been permanently closed as well. Please also see page attached from the schools website. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Money transfers

Someone sent me {$1900.00} via the app Venmo on XX/XX/XXXX. Venmo requested additional documentation from both of us. I submitted mine immediately and they requested it again. I resubmitted it. They sent a message stating that if they did not receive both of our documents that they would cancel the transaction and refund her money to her. The sender is XXXX and had difficulty sending in ALL things, so I asked them to cancel out the transaction and return her money to her. They would not. It has now been almost 3 weeks and they still will not return her money to her. She has since submitted all documents and they state the license is blurry ( i looked at her email, it was not blurry at all ). They are refusing to cancel the transaction and give her back HER money. They should NEVER have drafted the funds in the first place if the account setup was not complete, instead of taking her money and not allowing either of us to have it. Now they are holding it hostage and this is unacceptable.