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

I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.
Product: Credit card or prepaid card

On XX/XX/2019, a charge for over {$2200.00} was made by XXXX XXXX XXXX on my Chase Freedom Credit Card. When I recognized the fraudulent charge, I called Chase immediately. They mentioned that they would address the billing dispute and investigate the issue. Three weeks later ( XX/XX/2019 ), I noticed that my card was charged again by XXXX XXXX for the same amount ( XX/XX/2019 ). I called to dispute the transaction again and the Chase customer service person wouldnt give me any details about the investigation, she just said to call back once I received a letter. 

As a victim of identity theft and Chase customer for over 10 years, why should I be charged for something that I didnt order? I dont have a history of disputing charges and have been a responsible credit card user for years. If it was a smaller amount, I wouldnt feel the need to escalate the situation to the CFPB but I feel that I am constantly being taken advantage of by Chase.
Product: Debt collection

I want to dispute this debt because it isnt mine and i believe the account was open fraudulently
Product: Student loan

Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.
Product: Mortgage

Mr. Cooper/Nationstar bought our mortgage in early XXXX. Our account has been in escrow since XXXX. 
Previous lender was XXXX mortgage. We have not been able to get XXXX to take our calls. 
On XX/XX/XXXX, I went to make my mortgage payment online and learned my payment increased by {$780.00} monthly. Ive called the mortgage company several times and they continue to tell me my taxes have increased. 
On XX/XX/XXXX I submitted all tax records and a statement from our town indicating that our XXXX school taxes were not paid. This was an error on the mortgage company because again we are in escrow. 
Mr Cooper refuses to help us and is now destroying our credit. 
Please help.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including XXXX, XXXX XXXX, XXXX, and XXXX XXXX after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days.

I am taking all necessary steps to protect my identity and credit, and I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

As per FCRA ; FDCPA, I, XXXX XXXX being the protected consumer, I am optting-out of any and all authorization ; I the consumer may have given you written unwritten, verbal and non verbal to the following parties XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Union under 5 USC ( Privacy Act 1974 ), 15 USC 1681 ( b ) permissible purpose as well as 15 USC 6801 6802-6803-6804-6805 ( Obligations and disclosure of non public private information ). 16 CFRA 313.1-313.7, CFRA 433.2 XXXX XXXX furnished inaccurate information as well as violated my non-public private personal information Also they have deemed And or alleged A charge of On my credit report Which is a certificate of indebtedness which under IRS classifications is income and that can not be reported on such a credit report ; which said being a violation of 15 USC 1681 b and 16 CFR 313.1 - Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

The above previous mention bureaus Banks and or companies have violated me under federally protected rights 15 USC 1681 5 USC also known as the Privacy Act of 1974,16 C FRA 313.1 - 313.7 :16 CCFRA 433.1-433.2 ; I unknowingly and or knowingly never consented for any of those companies to furnish or report my non- public personal private information nor did I think they would report things inaccurately causing ruin to my credit score and history again, it was illegal for them to report any pay history or furnish such private non public information. My identity has been compromised and is in error. I seek for the inaccurate reports to be corrected as to reflect PAID AS AGREED as they should and for errors reflecting my credit score to recieve correction in conjunction! The pain and suffering associated with the reporting and furnishing of my non-public private information also the furnishing of my payment history and the use of my personal Social Security identification number have left emotional suffering and loss which one may and has had a hard time coming to grip with.

As to conclude I seek correction as it pretends to the fair reporting of my credit history!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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

Disputed discharged accounts under chapter XXXX. Account showing open on a closed account. XXXX will not remove
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I wired {$5000.00} To Wells Fargo account # XXXX as an intermediary bank, to be forwarded to XXXX XXXX XXXX XXXX  in XXXX  and XXXX XXXX. Wells Fargo kept the money and never forwarded the funds. XXXX XXXX  is my bank, they have reached out to Wells Fargo numerous times with zero response asking for a return wire. We have gotten zero communication.
Product: Vehicle loan or lease

I brought my first car they westlake financial under a dealer I thought I can trust. They sold me a XXXX  XXXX XXXX XXXX. It was smooth for only 4 months and I had to take it to the manufacture dealership. Dealership told me the car wasnt fully 100 % and was sold to you almost run down. I lost the warranty n the car by the miles already put in it. I couldnt afford repair and monthly payments. I was between jobs and I couldnt travel since my cars wasnt working properly. I only had the car for a year and only drove it for half that year. Im very disappointed that I fell for the old take your money and trust deal. I need to get the settled and charge off my credit in a great way. My dad is now sick and needs help back home. My mom been taking care of him but I need transportation to help them around. Please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information apperead XX/XX/2018. For 2 years I was paying a debt, and I did not fail and the Bank did NOT report. The debt was settled and they reported it in XXXX but paying in delinquency. The bank did not report for 2 years and requested that it be removed from my Experian credit report.
Product: Credit card

Subject : Complaint Regarding Unfulfilled Promises and Misleading Advertising by Ava Complaint IDs : XXXX ( XXXX ) I am writing to formally file a complaint against Ava for unfulfilled promises and misleading advertising. Despite making timely payments on my Ava Loan, the promised {$15.00} Boost to my Spending Limit has not been applied. My spending limit remains at {$50.00}, which was the same before I signed up for the Ava Loan. 

This issue has been repeatedly escalated over the past few months without any resolution. Additionally, there have been other unfulfilled promises made by Ava representatives when signing up for additional products such as the Ava Credit Builder. These issues include : 1. **Consistent failure to apply the promised boost to my spending limit** : - Despite numerous communications, my spending limit has not been increased as promised. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 2. **Inaccurate troubleshooting and technical errors preventing me from paying off balances using my linked bank account** : - I have faced multiple errors when attempting to pay off balances, which led to missed payments and negative impacts on my credit report. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 3. **Unfulfilled promises regarding spending limit increases and other benefits tied to Ava products** : - Previous representatives made claims about benefits that have not been delivered, including spending limit boosts and other features. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) To reiterate from our previous communications, I expect the following actions to be taken immediately : 1. **Immediate application of the {$15.00} Boost to my Spending Limit PLUS an extra {$250.00} boost for inconveniences**. 
2. **Ava Monthly Subscription Fees Waiver for 24 months MINIMUM** ; NO LESS, or an additional complaint will be filed. 
3. **Removal of any Future DEBIT CARD Fees for Instant Repayments, and Unlimited Due Date Cycle Change Requests**. 
4. **Clear communication regarding the timeline and process** for the application of this boost, without further delays. 
5. **Assurance that such issues will not recur in the future**, and a review of your advertising practices to ensure transparency and honesty. 

Until Ava XXXX delivers on their multiple failed and unfulfilled promises, I will not allow any processing of scheduled payments. This includes Ava Card AutoPay, Subscription, Credit Builder Loan, or anything else. 

Today, I will be filing complaints across multiple complaint agencies, including the CFPB, FTC, and XXXX. Additionally, I will be providing extensive feedback and reviews of all the negative experiences Ive had with Ava across public forums and review sites. 

Please confirm receipt of this complaint and provide a detailed plan of action to address these concerns promptly. 

Regards,
Product: Checking or savings account

US Bank accusing me of owning {$560.00} which I told them specifically thats not my account the social security numbers on the account is different from mine ssn
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXX BALANCED {$960.00} XXXX XXXX BALANCED {$4500.00} XXXX  XXXX BALANCED {$8100.00} XXXX  XXXX BALANCED {$7300.00} XXXX XXXXXXXX BALANCED {$3200.00} XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX  XXXX BALANCED {$0.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no information on this matter, and
Product: Mortgage

I got notification on XXXX that the escrow analysis for this file was completed. It showed a XXXX  payment per month. I got another analysis on XXXX showing that it dropped to XXXX per month. 
I called and was told that they were asked to remove taxes from the payment amounts. They then determined that they accidently did that to the wrong account. I asked them at that time to add taxes back in and re run an analysis to get my payment back to the amount I was quote on XXXX they did so, however they did not do it in time for it to change the XX/XX/XXXX payment which is due and in the amount of XXXX. 

i called multiple times to ask them to re run. On Monday XXXX, I called and they escalated and told me a new analysis would be out XXXX, back dated to fix the XXXX payment. My husband called on XXXX and confirmed this was still in the works. Then on XXXX, not receiving the email, i check my app and saw no notification. I called and they said that they denied my request. this was never communicated to me. 

now I do not know what my payment is, what it will be next month, or the shortage that is truly there as the company can not give me an accurate statement. 
I called and talked to a superior service manager and they stated this was not something they would fix and that I just need to make the higher payments each month. 

this is unacceptable as this is their mistake. I will be paying the payment and adding a lump sum in to not short my own escrows, but this is not how this company should be running. I want to be reimbursed for it.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Debt collection

I received mail saying I owed {$630.00} from a bill through XXXX XXXX  for an account that I never opened that I.C System, Inc was trying to collect from me. I have never dealt with XXXX and never opened an account with them. I've never even dealt with any other phone service other than XXXX XXXX.
Product: Debt collection

Hello. I had a medical bill sent to me about XXXX years after service. 
I'm not paying so they sent me to collections. Which in turn hurt my credit score. Fine! XXXX. 
Now they sold my debt again and sent me to collections for the same bill TWICE! So now I have 2 hits on my credit score by 2 different collection companies for the same bill/amount. This can't be right.
Product: Debt collection

I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.