23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have not received my funds for XX/XX/XXXX of {$820.00} from Direct Express a company used by Social Security to deliver funds. The company requested that I send in verification documents, and I have provided those to them. I have gone to the social security building 3 times and social security talked to direct express on the phone verifying my identity in person, and they still have not sent me a replacement card with my money. Today XXXX they told me I will have to resend my birth certificate and social security card again. I sent them this information on XX/XX/XXXX via scanning from my computer and now they want me to take a picture front and back from my phone and send to them. I have spoken to multiple supervisors, and they are not releasing my funds to me. I have bills and rent that has not been paid because they will not give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my Transunion, XXXX and XXXX account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Bank account or service

Wells Fargo Bank Had an average of overdrafts and insufficient funds on my bank account of a least 12 times during a twelve months year from XX/XX/XXXX to XX/XX/XXXX Attached please find the ironic steps this bank recommended me to take when they were the fraudsters. Would the bank reimburse all financial damages they caused me? 
Would I get money back from the XXXX lawsuit?
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 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

Continental Fin Co showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. XXXX claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the account.
Product: Mortgage

I am currently in chapter XXXX bankruptcy. Wells Fargo has misapplied payments I have made for current monthly mortgage payments. Wells Fargo has represented on recorded phone calls they can't distinguish between payments I make monthly and payments the chap XXXX bankruptcy trustee makes monthly. 

My payments are for a full mortgage payment, this year I was told to pay XXXX beginning in XX/XX/2018, then in XXXX after filing a complaint, I learned Wells Fargo should've asked for the courts permission to increase my payment but did not do so until XX/XX/2018. They then withdrew their request for a payment increase-stating it was submitted in error and stated my monthly payments were XXXX effective XX/XX/2018. 

Trustee payments should only be applied to the pre-bankruptcy filing debt. Not current monthly payments. 

Wells Fargo did not begin accepting payment from me again until XXXX. 

These are the payments I have made in XX/XX/2018 Date Amount XX/XX/2018 {$4900.00} XX/XX/2018 {$1300.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XXXX Contacted by Wells Fargo Bankruptcy department to tell me the results of my audit that took place XX/XX/2018 XX/XX/2018, did not need to make a XXXX payment. Pay in XXXX. I had enough in unapplied funds to cover XXXX 's payment. POC XXXX XXXX-Manager. Was told it would take 72 hrs to post funds to my account. 

XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} Total Payments from me : {$14000.00} So I've actually overpaid my mortgage XXXX-XXXX-Where 's  that money showing on my account. 

Yet wells fargo has filed a notice with the court indicated I have not paid XX/XX/XXXX-XX/XX/2018. They are now trying to foreclose on my home even though I've been making monthly payments. This has been a reoccurring problem since being in bankrupty. Wells Fargo does not know how to handle accounts in Chapter XXXX bankruptcy. 

Now one of the reps who are assigned to my now 2 open CFPB complaints are returning my phone calls nor have they completed processing of my complaints. I have not heard from the latest rep assigned since XXXX even though I've left several messages. 

# 2-XXXX XXXX has given me inaccurate reinstatement quotes on my loan, usually XXXX plus dollars. Now suddenly a new note has been added to my statement showing my pre-bankruptcy debt was {$17000.00} and thus far {$9.00}, XXXX has been paid. I still owe {$7800.00} with is XXXX less than the reinstatement ( get my house out of BK and get back on normal payments ) So which figure is correct. 

# 3-I have two open complaints that have not been resolved since XX/XX/2018-now no one is returning my calls. Last contact was XXXX and I've left several messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX/XXXX put a hard inquiry on my credit report. This inquiry popped up on my bureau report and has greatly lowered my score. This company did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Credit card or prepaid card

Unable to remember date, I have XXXX accounts with Capital One. I mistakenly made a XXXX payment to the incorrect account listed on website. I alerted the company. They informed that a procedural investigation will have to be conducted. 
That process took almost XXXX weeks. Finally they applied my credit payment to card XXXX, but for some reason XXXX credits were applied to my account XXXX, XXXX. Their system appears to be charging me for the double credit that I did not spend. 

I have a XXXX credit limit, I was told that the system would not allow me to spend more than my credit limit, so confusing. Because I only owed XXXX, but I remitted a payment of XXXX, where is the credit for remainder. If I spent over that, the overage should have covered the transactions, therefore, I need to know why I owe XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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

There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of XXXX XXXX. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all 3 credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAN ANYONE HOLD EQUIFAX ACCOUNTABLE??? 

I HAVE SEVERAL COMPLAINTS ON THIS WEBSITE AS WELL AS EQUIFAX REGARDING THE WRONG NAME ON MY CREDIT REPORT. EQUIFAX CONTINUES TO PLACE A SUFFIX OF " XXXX '' ON MY CREDIT REPORT. 

I HAVE EVEN HIRED AN ATTORNEY TO SEND THEM A LETTER REGARDING THIS MATTER. AND IT SEEMS TO FALL ON DEAF EARS! THERE ARE SEVERAL CASES STILL OPEN ON THE CFPB WEBSITE STILL OPEN FROM XX/XX/XXXX & XX/XX/XXXX THAT HAVE NOT BEEN ADDRESSED. 

ALSO, MY WIFE AND I WERE VICTIMS OF IDENTITY THEFT IN XX/XX/2019 AND MADE A POLICE REPORT ( ATTACHED ) I HAVE SEVERAL INQUIRIES THAT ARE ON MY CREDIT REPORT ( ATTACHED ) THAT ARE NOT MINE! EQUIFAX SENDS ME A XXXX LETTER THAT I NEED TO CONTACT THOSE BUSINESS 'S ... EQUIFAX PUT THOSE INQUIRES THERE I DIDNT! 

I HAVE SENT SEVERAL LETTER TO MY CONGRESSMEN AND SENATORS TO ASKING FOR NEW LEGISLATION TO CONTROL THESE CREDIT REPORTING AGENCIES AS THEY ARE CORRUPT, INCOMPETENT AND HURT AMERICAN PEOPLE.
Product: Credit reporting

I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a credit card payment to Capital one. I erroneously made an over payment. My balance was {$670.00}. Payment was entered as {$670000.00} contacted my bank the next day after my bank account was overdrawn. My bank XXXX XXXX said they would look into stopping the transaction. But did nothing. I also called Capital One the credit card company, the same day XX/XX/XXXX, they advised me that they would refund the funds and it would take 2 weeks. I received a letter from Capital One, dated XXXX XXXX advising me that could not be refunded. After reviewing this letter I called Capital One on XX/XX/XXXX and spoke to a service representative and her supervisor, XXXX, She advised me that there was no refund request on record. I asked then why did I get this letter. She had no explanation.she then said she would put my request for the refund in again. she advised the their company policy was to wait 15 days after date of the last statement and then up to 2 weeks for a check to be issued.This would an additional 3 weeks before a refund is issued. I don't know why it would take so long if they made the mistake to begin with. her nasty response was it's their policy. I asked if I would be paid the same interest rate that the bank charges.she said NO.1 then ask if it was their policy to steal the customers money for a mistake. If they are honest to me and do put the request in I will not get the refund until mid XXXX. I feel I am being taken advantage of by this bank and being treated very unfairly. I am filing this complaint to see if the process can be expedited. The last 4 digits of my credit card are XXXX.Case number is XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where Experian has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying on a roughly {$7000.00} loan for approx. 6 years ( XX/XX/XXXX/XX/XX/XXXX ) Over HALF of my money has gone to only interest! My bill is still almost $ 5,000- after 6 YEARS!!! 
Not only that, XXXX XXXX XXXX has n't sent me paper bills or anything via mail in MULTIPLE years until just last month ( XX/XX/XXXX ) I find this extremely suspicious. The employees offer absolutely no support. They never requested ANY information updates regarding name change or email/address change. They have over 100 complaints online about accounts being mishandled and overcharged. I never received any actual information from this company regarding the loan when it originated.This is extremely unsettling. No way should half of the money be towards interest only. How is anyone supposed to get ahead in life with rotten set ups such as this.
Product: Credit reporting or other personal consumer reports

This is my multiple 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. XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, VA XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Mortgage

My name is XXXX XXXX, I am writing this letter regarding my home located at XXXX XXXX  XXXX XXXX XXXX, MS , XXXX I have been trying to work with XXXX XXXX   regarding my delinquent mortgage. I have submitted for mortgage help thru XXXX but have been declined for any and all mortgage home retention options. They mentioned to me that my only options is to come up with the {$13000.00} past due including any attorney fees and cost. 

I spoke to Head Supervisor Collection/ Loss Litigation- XXXX XXXX XXXX XXXX Extension XXXX Position collector. 

explained to them that the reason for falling pat due is in XX/XX/2018 I was diagnosed with XXXX XXXX and XXXX XXXX and had to be treated. While going thru the treatment I had a loss of wages and eventually they filled my position do to the time i needed to recover. 

I am now in a better position but they will not work with me do to my loan type. i am asking for help from the CFPB to look into to this as well as the FDIC I feel they are in violation of my homeowner bill of rights and should offer me assistance to stay in my home I have a steady income and can afford my mortgage. 

Also, I have asked for letters from XXXX declining my request for assistance but they state they are not required to do so,
Product: Bank account or service

As a former employee of XXXX, I participated in an employee stock purchase program managed through UBS. After leaving XXXX I continued to hold my XXXX shares with UBS and managed dividend stock purchases and disbursements through their website. I held a " paperless '' account with UBS for 11 years, receiving statements and notifications via email. Today I logged into my UBS account to execute a sale/disbursement but was not able to make the transaction and was instructed to contact UBS. I called UBS and was told that my XXXX account had been transferred to a " wealth management '' account but I could not transact shares through that account. In order to complete my stock sale, I had to pay a {$75.00} annual fee for the wealth management account I was never notified of and a {$70.00} fee to sell the stock! My complaint is UBS making this account change without prior notice. Had UBS notified me prior to these changes, I could have liquidated my account and paid no {$75.00} annual fee and no {$70.00} transaction fee. This is robbery on the part of UBS.
Product: Credit card or prepaid card

I used Menards online ordering system due to Covid-19, my order came to {$450.00}. When I went to the store I asked about the items that weren't with it, and was told they would be back ordered. After I checked my credit card through Menards the entire order was billed even though the entire order wasn't available. Items XXXX, XXXX, XXXX, ( XXXX ) XXXX were unavailable, and back ordered. I reached out to Menards and they told me all items were picked up, this isn't true. My concern isn't over a couple hundred bucks ( {$190.00} + tax ), my concern is if this is done repeatedly and based on my very first experience at Menards doing this, this would be fraud on a massive level.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control
what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my personal information when they knew they were under oath not to do so.