23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/24- received an alert from experian stating that my credit report had changed. It showed that my credit was run by Wells Fargo credit card services. I soon after received a phone call from Wells Fargo application fraud about this. Someone had attempted to open a card in my name, without my knowledge. Wells Fargo did deny the application and put in to remove the inquiry from my credit report. I have had 2 other similar situations happen with XXXX XXXX, which I have filed a separate claim about. I spoke to experian and they urged me to report this activity through FTC/police. They also removed inquiries from my credit report in regards to Wells Fargo and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Experian 1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR XXXX  1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.
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. I told Transunion to reinvestigate these hard inquiries on XX/XX/XXXX : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But Transunion has not removed these unauthorized inquiries. 


According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. Also they aren't even in compliance with metro 2 credit reporting.
Product: Checking or savings account

I been banking with suntrust for fee years. I have power of attorney over my husband because he is XXXX  and XXXX XXXX. His checks have been coming into my account direct deposit and paper check. I Make monthly deposit .my account has been frozen. I brought all documents my husband. I was told my account is closing and I will receive a check in 7 to 10 business days. It's been 3 weeks and no access to my money I don't have access and I am stranded. This is wrong. I need my money immediately
Product: Money transfer, virtual currency, or money service

In attempting to use XXXX to receive money PNC will not allow it to connect. XXXX is a popular virtual cash exchange application and it is important that PNC allows it to connect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove a fraudulent collections account from my report even though XXXX  and XXXX  both removed the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2XXXX  I mailed out my disputes to each of the credit reporting agencies requesting that validation of two collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. XXXX received my dispute on XX/XX/2024 at XXXXXXXX XXXX according to the tracking. XXXX received my dispute on XX/XX/2024 XXXXXXXX XXXX according to the traciking. The Dispute that was mailed to Equifax was lost in the mail so I sent out a new dispute on XX/XX/2024 also using certified mail and that dispute was received on XX/XX/2024 at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of two collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : 1. Verification of the debt amount and its validity.

2. Documentation showing the original creditor and the nature of the debt.

3. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
4. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from one of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to Equifax and XXXX, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''
Product: Credit card

On XX/XX/XXXX I opened a dispute for the amount of XXXX for the merchant Comma for an item I Returned to Sender via XXXX 5 months earlier. 

I was given a provisional credit for the full amount, and reassured that Goldman Sachs / Apple Card would handle the rest from there.

At no time in the last 12 months have I received in writing any information from Goldman Sachs / Apple Card as to why they have refused or declined the dispute. I can't even tell you if they reached out to the Merchant to confirm my concerns or to ask for reply from them to see if the dispute is valid.

I've submitted Proof of Delivery / Return with every attempt, along with a statement of Facts telling them what happened and why I was disputing the claim. 

I've had to reopen this dispute now 5 times over and above the initial request, for a grand total of 6 times. These are the dates I requested the disputes. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Every time I open the dispute is 30-60 minutes of my life gone, and explaining to an agent what happened and why I'm attempting to dispute the transaction. 

Goldman Sachs / Apple Card were just fined nearly XXXX XXXX dollars for this exact reason, but even 2 months after that was announced they continue to deceive and disrespect their paying customers with no follow up or information on what's going on with the disputes we've requested. 

I just want a refund for an item I returned, and to move on with my life!
Product: Checking or savings account

my daughter and i share a checking account. She has her own savings account, all with BMO Harris Bank. 
This past XX/XX/XXXX, fraud was found on her account with someone attempting to cash a {$4000.00} check. While the bank caught this transaction, they froze her account to conduct their investigation. They found it was in fact fraud and their way of solving was to cancel all her accounts completely and send refund checks to an old address. We were informed the checks were sent XX/XX/XXXX and would take 6 weeks. My daughter had to verify her ID to which she did by email. It is now XX/XX/XXXX and now the bank states the checks were never sent because of my daughter needing to verify her ID. She has done this 3 times now and now the bank doesn't know where the money is and if the checks exist. 
My daughter is away at college in XXXX  and does not have access to any money. My family is now distressed and trying to pay her bills because she has no access to her money that was needed for college. This is causing a major hardship and BMO customer service is terrible in trying to assist us. 
I don't know what else to do. And I refuse to continue to live on a credit card to pay her bills. Consumer is getting bullied by big banks.
Product: Debt collection

Please send me The Account Statement fot both accounts XXXX. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX oh XXXX immediately. Thank you.
Product: Credit card

I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Equifax announced a cyber security intrusion that has exposed personal and sensitive information on me. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Even then the website used to identify if your information was exposed was disorganized, often not usable, and very frustrating to attempt to use. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs, FOR FREE, as a result of negligence in handling personal and sensitive information. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax has known about this issue for over a month and has now only chosen to notify the general public and those like myself.
Product: Mortgage

My mortgage was transferred from a different servicer to Loancare in XX/XX/XXXX. With the prior servicer, I was in the habit of making weekly payments to pay down my debt more quickly. Loancare did not apply my payments for 3 months. When I called, I was told that Loancare does not accept partial payments. I pointed out that they had accepted them because they kept the money, just did not apply to my loan. Then it appeared that they fixed the problem, however, the woman failed to mention that the loan # on my payments was not correct. Then 6 mos of payments were not applied to my loan. I wrote to them. Emailed them. No response. I finally got in touch with a person who told me that it was the loan # that was the problem. Meanwhile, my credit rating has been destroyed. My tax statements are wrong and I can't file my taxes. Loancare has taken no steps to fix either. Keep in mind that during XXXX, I paid the equivalent of 14+ mortgage payments because as I said, I like to aggressively pay down my mortgage. So I fix the loan # on my payments submitted and for maybe one month, I think they got it right. My statement dated XX/XX/XXXX that said that I had overpaid. Loancare then deposited XXXX mortgage payments back into my account on XX/XX/XXXX and XX/XX/XXXX. My next statement, dated XX/XX/XXXX said that I was two months in arrears!!!!
Product: Money transfer, virtual currency, or money service

I have been using tap tap send which is an international money transfer agency for several years now. Recently, I suspended my account and after I followed up for a couple of days, they said that they have permanently suspended the account. I tried to enquiry the reason this but they declined. I feel this is not fair at all because I also have my rights as a consumer. I also have the right to know the reasons for it's suspension.
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE -UPGRADE-XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Product: Mortgage

Received foreclosure notice for my property because of late association dues. 
My current mortgage servicer as of XX/XX/2021 is Carrington Mortgage. The foreclosure letter showed XXXX XXXX the previous mortgage servicer on the letter. I have forwarded the information to Carrington Mortgage who is my current mortgage servicer. my current mortgage servicer. Spoke with Carrington Customer service XXXX, requested Homeowner Association delinquent dues be paid out of escrow and they put me on a 5year repayment plan. XXXX stated there was not any hing they could do.
Product: Debt collection

I am writing this email in order to address a serious concern that has been hovering unnecessarily over my financial standing for quite some time now. I find it incredibly disquieting that I have to do sopointing out the lacking professionalism and due diligence in handling what is most certainly a glaring mistake on your end. 

There seems to be a heinous misunderstanding that an outstanding debt under my name linked to a loan account with XXXX XXXX is mine, where in actuality, such is simply not the case. The constant harassment and communication from your end regarding this erroneous debt is not only a breach of fair practices, but is also flagrantly offensive. 

I implore you to provide me with the necessary documents that unequivocally demonstrate my involvement with opening a loan at XXXX XXXX. The burden of proof rests squarely on your shoulders, as you are the ones who decided to mar my financial health with an unfounded claim. 

It is crucial to your understanding that I am not a resident of XXXX anymorea fact I have proof of through documents validating my relocation a year ago. This makes your claim all the more bewildering, and frankly absurd, to anyone with a modicum of common sense. 

Moreover, the glaring absence of my signature or any form of personal identification on the contract that you supposedly hold against my name, is most certainly a harbinger of your incompetence in handling this matter appropriately. 

I have taken it upon myself to communicate this matter to the Consumer Financial Protection Bureau ( CFPB ). They have been made aware of your egregious handling of my case. The relentless and unjustified harassment I have endured, not to mention the hours spent in trying to rectify this grievous error, warrants this necessary action. Given the gravity of your misconduct, I strongly believe and hope that a sanction from their end would be coming your way. 

I would like to conclude by impressing upon you the dire need to rectify this outrageous situation at the earliest. It needs to be underlined that I am not responsible for the debt that you are wrongfully associating with my name. Any further communication to that effect will henceforth be treated as harassment and appropriate action will be taken. 

I look forward to receiving further communication from you confirming the rectification of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to investigate my claims that I am a victim of identity theft even though I have a police report. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.
Product: Credit reporting

one of many included seeing a XXXX XXXX XXXX address that was never s place of residence. and i did lostle my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXXand XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX apartments In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Navy Federal wrote off a charged off account but has been reporting it as past due and late payments on the closed account. I'm also paying the collection agency XXXX a month. But they are still reporting late payments since 2023. After they told me call the lawyer and the lawyer said they don't represent navy federal they are Still reporting late payments on closed charged off account. Was it reported to the irs as charged off. Did it reduce tax? They need to fix it and refuse. Then they said profit and loss charge off.