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

Is been longer then 30 days. They did not provide me with no affidavit of truth nor any exhibits in this matter. I sent an affidavit of truth with exhibit stating how they violated the title 15 USC 1681b ( a ) ( 2 ) they did not respond to the violation of the Fair Credit Reporting Act violation that was addressed and brought to their attention.

No. VERIFICATION. Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposi- tion. McNamara v. Powell, Sup., 52 N.Y.S.2d 515, 527. I am the original creditor and this account was not verified with the original creditor so pursuant 15 USC 1681a ( 2 ) ( A ) ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report is excluded. Transunion violated.

Pursuant 15 USC 1681a ( 2 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. HOW WAS THE INVESTIGATION CONDUCTED AND WHO DID YOU INTERVIEW? 

Transunion is using unfair and inaccurate information on my consumer report. The response is not what I asked for. My affidavit of truth and exhibit addressed who gave them written instruction to have this account that is inaccurate because I have no value in it.
Product: Mortgage

My mother had a reverse mortgage on the house. When she passed away I tried to communicate with the reverse mortgage company but they changed and would not communicate with me. I was denied the 90 days and they started foreclosure on the house. 
My mother passed away on XX/XX/2017. I tried communicating with the company but A lawyer needed to get involved.
Product: Mortgage

My complaint is with Citizens Bank. I got ( 3 ) three month forbearances due to financial hardship caused by covid-19 pandemic. 
My loan is now maturing & they want me to pay off in a lump sum. I asked for repayment options as suggested by CFPB website & they say I need to fill out Foreclosure Prevention Package. They do not have loan modification program specifically for exiting Covid forbearance. I just spoke to ( 2 ) representatives of Citizens on XXXX. One was from the office of the Chairman ; he provided me with a phone number for the correct dept. to call. Prior to that, I had called several times, to several numbers & been transferred back and forth endlessly. I've been trying to work something out on this since at least XX/XX/2022.
Product: Debt collection

I have a letter thats an informational subpoena that if I dont answer in 14 days Ill be arrested. I refuse to give them personal information as I already had my id stolen
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery loss funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have late payment from capital one. I never had XXXX credit and me from capital one. I never applied for capital one credit line. So I would like to deleted off of my account immediately
Product: Mortgage

on XX/XX/XXXX I ph. in my mo. mortgage pmt. to lonecare on XXXX, XXXX another pmt. was deducted from my bank acct. O/D it, I called my bank was told L/C took out both , I call L/C why the extra payment was taken out that I did not auth. it took one week and hrs being put on hold going thru dozens of depts. to get a answer found out someone put my acct. on auto pay, Instead of sending back one pmt. that would have solved the problem and my XXXX pmt. would be posted some genius sent back both, I went thru the same hoops to get a answer another genius said my acct. was all payed up thru XX/XX/XXXX I knew better but they just said don't worry. It is now XXXX, my XXXX pmt. is late more ph calls still no answer now time to pay XXXX so I sent in a double pmt. and now Im all payed up right? my bank stmt, show all pymt. were made but somewhere in between XXXX XXXX. I got a mystery check in the mail called L/C to find out what it was for, its back to the same drill as why the check? the only ans. from them was cash it. I since have pd. for XXXX & XXXX. But now they told Im behind a mo. also raised my mortgage pmt. almost XXXX I have called them again & again their only answer is to fill out tons of paperwork to get a mod. or something I filled out one they sent me but not good enough! they need more info but I can't find out what, I'm XXXX and scared of these people and don't trust them, every time I call it just gets worse, I know there is a simple way to fix this, but they won't listen, this has made me phy. sick since last XXXX cant sleep its on my mind day and night I feel helpless
Product: Credit reporting or other personal consumer reports

Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXXXXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX XXXXXXXX XXXX phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX XXXX XXXXXXXX XXXX phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the XXXX under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX  date opened - XX/XX/XXXX account name - XXXX XXXX XXXX XXXX Account XXXX - XXXX date opened - XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Product: Checking or savings account

USAA has to do a better job of contacting it's most Veteran customers who suffer from XXXX and other issue. For example XXXX XXXX calls their customers. On the eve of the worst Pandemic of my life time USAA decided to side on the side of its Ticket Broker associates XXXX over it's own long term customer of approximately 8 years. I purchased my tickets using a USAA debit card XX/XX/2020 from XXXX  for the amount of {$280.00}. I had entertained the idea of selling my tickets and on a XXXX search XXXX appeared. There website requested a Card in which to make a deposit. Almost 3 days before and the day of when I was awoken by a ticket broker I declined to sale my ticket and attended the event. Sometimes after the event approximately 30 days after my purchase XXXX debited my account {$280.00} and an additional {$200.00}. USAA does not have an email to send documents instead yout are directed to upload documents on an App that does not work. Based on there location, I can assume that my Ethnic sounding name and that the show was headlined by XXXX XXXX was all that they took into consideration when debiting my account without a phone call ot text which is standardized communication. The Coronavirus and my inability to access funds has severely taken me into a depressed state that saddens me. I would like my funds today so that I can buy diapers, tissues, water, and food. THANK YOU
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains an inaccurate late payment for my account with XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX, and they confirmed that they have already submitted the necessary updates to correct this error. However, my most recent credit report still reflects the late payment, indicating that the credit bureaus have not updated my account information. 

The account in question is : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/year>. 

I have never been late on payments for this account, and this error is unfairly damaging my credit score. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate and truthful reporting of consumer information.
Product: Debt collection

I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.
Product: Credit card or prepaid card

My purse was stolen back in XX/XX/2020. Since then the bank of america unemployment cards agents have sent me about 4 different cards that fail to work. 

I haven't been able to access money in about 4 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed a Collections account that is incorrect and was supposed to be deleted off my credit report, TransUnion is the only still reporting this debt. I disputed and I sent a letter for XXXX of this dispute and to send me information on how this was determined verified as accurate. I have not received such information from TransUnion, I received a letter stating that the account is accurate and they did not have to reinvestigate, I did not receive any information I have requested for from TransUnion. I will attach the following document I sent without my person information on there.
Product: Credit card

In XXXX of XXXX I placed an order to XXXX XXXX XXXX  for a total of {$200.00}. The sender states the merchandise was delivered but I did not receive it. I filed a police report for stolen property. I contacted XXXX and was informed that they will not re-ship or refund the money paid and to contact my credit card company. I contacted apple credit card known as Goldman Sachs Bank USA on XX/XX/XXXX, and a temporary credit was applied to my account pending investigation. On XXXX XXXXXX/XX/XXXX, I see the charge was reversed and I was being charged the {$200.00}. I contacted apple again and requested to speak to a manager. I was then informed a police report was not sufficient and would have to pay {$200.00}. I have never had an experience like this before. Being charged unfairly for merchandise I did not receive. I then wished to cancel my account because I feel unsafe and not valued as a long-time member.
Product: Debt collection

I was contacted by their company to consolidate my loans, the man on the phone said it was the right thing to do and he cared about my problems. I was already paying another company {$5.00} a month, but was told consolidating with their company was the way to go. The man on the phone said it was easy and would walk me through all the steps on the computer. Of course, it was not easy and took much longer than expected. The man spoke very quickly ... I had little time to think about the decisions I was making, I just would click the buttons and move on. I chose the REPAYE payment plan which showed that I should only pay about XXXX-XXXX dollars per month as I make XXXX per year and care for my invalid mother. Now I have received a bill from their company for {$400.00} per month! One is already overdue! Worse yet, I went to the Dept. Of Ed. website and my student loans have appeared to double!!! As their company AND the previous company are showing me owing them both for the same student loan! I thought I was doing the right thing, I wanted to get my loans in order after years of neglecting them ... but this company has taken my trust and used it to their advantage! I will never be able to make these payments!
Product: Debt collection

XXXX, as well as as Receivables Performance are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

The double-dipping of reporting has had a significant, negative impact on my CBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amending complaint. 

Attached records reflect that Mortgage payments were reduced due to a forbearance. 
Reduced payments were paid within 17- day grace period. Credit Reporting Agencies has these two payments as unpaid. Despite sending proof of payment and speaking to agents via phone, they refuse to update.

Payment 1 was debited EARLY on XX/XX/2022 from XXXX Account ending XXXX for {$92.00} for XXXX payment. 


Payment 2 was debited XX/XX/2022 from XXXX Account ending in XXXX for {$92.00} for XXXX.
Product: Debt collection

Debt collector is not bonded in the State of Texas and bond has been cancelled since  1998 . It is attaching other names to their own in order for them collect in the Texas.
Product: Credit reporting

I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.
Product: Vehicle loan or lease

I have a loan with Exter Finance. I make double my monthly payments and I have repeatedly asked for the extra payments to be applied to principal only. They say they will and it never is applied to the principal and nobody will actually fix it even though they say they will every time I call. There is also no option to view how my payments are applied until after my statement is released each month so I am unable to verify anything until well after payments are made and applied. 

When I have spoken to someone with any ounce of compassion who did try to help, I was told that I incur a {$7.00} a day interest fee no matter what and that's why it won't apply. This is 100 % predatory lending and illegal. My initial payment legally goes to my interest & principle, but any additional payment should go to principal only, when requested to do so
Product: Debt collection

My employer informed me I received withholding garnishment from a debt collector that I disputed years ago and was removed from my credit report Because the debt was mine and they couldnt prove it. Now I have a judgment when I never even received any papers I was never served so I never got a chance to go to court to defend myself. Portfolio recovery associates are performing illegal tactics. How can someone defend their self when they never receive notice of any court dates and this company never provides them any proof of debt or name of the original creditor. I need a lawyer to help me, sue them for Fraud illegal, practice, and damages
Product: Money transfer, virtual currency, or money service

I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.
Product: Credit card

Subject : Complaint Regarding Payment Handling by Wells Fargo Bank Dear CFPB, I am writing to file a continued complaint against Wells Fargo Bank for their handling of payment irregularities. 

I made a repayment on XX/XX/2023, and after the funds were successfully received, I encountered a second payment, causing an overdraft in my XXXX checking account. Consequently, I contacted XXXX to dispute the duplicate transfer made on XX/XX/2023. 

However, Wells Fargo 's actions are concerning ; they have erroneously classified my XX/XX/2023 payment as an adjustment, technically delaying my repayment by XXXX days and insisting on interest payment. 

I urge the authorities to monitor such rogue practices by Wells Fargo. 

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

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX  ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in 2021 I was preparing to purchase a home and went to check my credit report and noticed an account that I did not recognize ( XXXX XXXX XXXX ). I pushed the dispute button so that it can be resolved. During that time I called the XXXX XXXX XXXX numerous times and there is never an answer, i sent certified mail and have not gotten a response to the letter. Well busy life got the best of me and I forgot about the account because I was not financially ready to purchase a home. Last week I checked my report again and i noticed that the same account from XXXX XXXX XXXX was still there with just a notation that I disputed it. I contacted the credit bureaus to try to resolve and the put a fraud alert on my report and suggested I contact this agency to file a report as well.
Product: Mortgage

We have had two issues with our Wells Fargo Mortgage loan. 
1. During the recent recession we fell behind a few months on our mortgage payments and when Well Fargo Mortgage was unwilling to work with us to keep our home and we were told that the only way to stay in our homes was to file for bankruptcy, which we did in XXXX 2014. 
2. Since filing bankruptcy, we have continued to make our FULL monthly mortgage payments to Wells Fargo every month. Recently we tried to look into a VA loan and were told that our credit report shows us 24 months late on making payments. When we contacted Well Fargo, we were told that part of the mortgage payment is kept by them and then submitted to the bankruptcy trustee, therefore we are considered not to be making a full payment each month. This has damaged our credit in addition to having to file for bankruptcy to keep our home. We were told by XXXX mortgage loan companies that we can not qualify for any type of mortgage loan due to this information. We now must sell our home because we can not afford the mortgage and trustee payments in addition to our monthly expenses. When we sell our home, we do not know where we will live since we can not qualify for a mortgage loan and may find it difficult, if not impossible to rent a place to live. We have repeatedly left messages with Wells Fargo representatives when we make our phone mortgage payments ( which is the only form that we are allowed to make payments ) to have a supervisor call us and to date we have yet to receive any telephone call from any supervisor. We are totally frustrated and despondent over this situation. We hope someone can help us.
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 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. 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.