23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a checking account with Wells Fargo ( " WF '' ) XX/XX/XXXX at a branch in XXXX, XXXX. It was a no fee college student checking account. I actively used that account until XX/XX/XXXX at which point I moved to XXXX, XXXX. XX/XX/XXXX, WF had not yet opened branches in XXXX, so I moved the majority of my cash assets to another bank, but kept the WF account open with some cash remaining. When I checked the status of my account a few years later ( approx. XX/XX/XXXX/XXXX ), I was surprised to find out that WF had closed my checking account. Worse, I never received a check from WF with my remaining cash balance in the WF checking account. I never authorized any change to my free checking account, let alone its closing. 

In the wake of the recent developments about WF 's fraudulent practices, I began to wonder what happened to my cash in my checking account. I saw that WF took out full page ads in the XXXX XXXX XXXX to call about complaints to restore customer confidence, so I called that number to see if WF would pay back the money they took from me. I provided my WF checking account information as well as relevant dates to the WF customer representatives but none were willing or able to help me. In fact, they had no record of my checking account despite the fact that it was still apparently open as recent as a few years ago. I obviously knew my account had existed and still had checks, etc. listing the account number. In the end, WF representatives refused to help me. I even think that they thought I was lying about my account ( ironic given their track record on honesty ). 

I suspect a couple things may have happened : 1 ) They changed the nature of my account, without my consent, and ate away at the balance through " fees '', or 2 ) they simply stole the money and closed my account as inactive. I also suspect that the reason WF could n't locate my account is because they had ( or still have ) record retention policies which favor their fraudulent dealings with customer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has recieved my previous FTC report and has given me a confirmation number for deletion of inquires but they have not been deleted! I demad these be removed immediately!
Product: Credit card

I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.
Product: Mortgage

XXXX - XXXX Mortgage XXXX - Divorce XXXX - Quit Claim deed XXXX - Signed replacement Mortgage Documents ( Lost Note Affidavit XXXX ) XXXX - Loan Modification XXXX XXXX XXXX XXXX XXXX- Not recorded XXXX - Loan Modification XXXX ( XXXX sold by XXXX ) XXXXnot recorded XXXX - XXXX shut down by FDIC XXXX - XXXX XXXX buys all assets XXXX XXXX- XXXX XXXX  Foreclosure XXXX - XXXX  XXXX XXXX - Converted and discharged XX/XX/XXXX, XXXX XXXX  sold mortgage and Lost Note to XXXX XXXX. Recorded XX/XX/XXXX. 
XXXX - XXXX recorded transfers to XXXX XXXX XXXX XXXX - XXXX to XXXX XXXX XXXX forecloses XXXX then does mod ( Not recorded ) transfers to Selene ( XXXX XXXX ) XXXX Quiet Title Action Selene transfers to ( XXXX XXXX  XXXX XXXX ) 5 days before default hearing, my attorney passed away XXXX. I can not find a lawyer, too late too much, robo signers, fictitious VP signs assignment from XXXX to XXXX. 

All transfers VIA XXXX XXXX was taken out of XXXX  by XXXX XXXX XXXX  in XXXX. 

Currently SELENE ( XXXX XXXX  XXXX XXXX is asking for Summary Judgment for Foreclosure, SELENE was served the Quiet Title Action and was to come forward by XXXX. STILL no Original Note since XXXX. 

SELENE and all after XXXX have NOT HAD THE NOTE - Scared me into making higher payments. REASON for QUIET TITLE ACTION
Product: Money transfer, virtual currency, or money service

I requested a transfer of {$2800.00} to Truist Bank checking from a verified external XXXX XXXX XXXX account owned and named by myself at XXXX XXXX on XX/XX/23 and received electronic confirmation with time stamp. I was informed that the money would be in my account in 3 business days. XXXX XXXX XXXX  sent the {$2800.00} on Thursday XX/XX/23. I spoke with a Truist representative at XXXXXXXX XXXX  and XXXX XXXX on Friday XX/XX/23 and was told that the request was still processing and should be in my account by close of business. The transfer was not made as specified on Friday and did not post during the weekend.
Product: Credit reporting or other personal consumer reports

I contacted the company about the errors on my credit report and provided the information and was not given a proper investigation into my dispute letter and just gave an investigated response which by the lawsuit filed against other Credit reporting Agencies seems to be the norm.
Product: Student loan

I filed my Employment Certification Form with XXXX XXXX on XX/XX/XXXX in order to have my payments counted towards PSLF for the last year.

This form was rejected on XX/XX/XXXX with the reason being that I did not provide an employment begin date ( attached ).

I called XXXX on XX/XX/XXXXand spoke to Operator ID XXXX. She explained that she was not a part of the XXXX  PSLF program and had me transferred back into the main que where I waited and spoke to ID XXXX. ID XXXX seemed confused so I requested to be transferred to a supervisor. I received supervisor ( XXXX  calls them an escalation specialist ) ID XXXX. I explained to him that my Employment Certification Form did have a begin date of XX/XX/XXXX but the rejection letter dated XX/XX/XXXX said there was no date on the form. Escalation Specialist acknowledged the mistake of XXXX behalf and said it will take 10 business days to resolve the matter. He also mentioned to me that the reason why my form was rejected was because they have a start date for me of XX/XX/XXXX at my current employer, not XX/XX/XXXX as has been stated on my two latest XXXX forms from XX/XX/XXXX( approved by XXXX  ) and my latest rejected XXXX Form datedXX/XX/XXXX.

I researched the matter and discovered that XXXX XXXX is relying on my Payment Tracker form for my employer start and end dates ( attached ). This is where XXXX XXXX was getting the incorrect XX/XX/XXXXemployment begin date for my current employer. Over the years I have complained about this Payment Tracker form because it gives incorrect employment begin and end dates. For example, I left one employer on XX/XX/XXXX notXX/XX/XXXX as this form states. I brought my concern up to XXXX XXXX and I was advised that these employment beginning and end dates are determined when my form is approved by the Official who signs them and/or when they are received by XXXX XXXX, thus making them not actual employment begin and end dates. I have expressed a concern that these dates would be relied on in future transactions. Now the brain trust at XXXX XXXX is relying on these incorrect dates and it is holding up the approval of my payment certification.

OnXX/XX/XXXX I XXXX  ID XXXX and explained the situation above. He was not understanding the matter. I was told to wait two weeks. In a nutshell, it is my opinion that XXXX XXXX is too lazy and/or incompetent to actually research this problem. Their workers are not knowledgeable nor do they care enough to fix this problem. I am constantly finding errors on their part at almost every communication I have with them. If my experience above is any indicator, waiting two weeks is an exercise in futility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX  ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely 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 with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Checking or savings account

On XX/XX/2018 my ex roommate went to Navy Federal Credit Union and deposited a check into a joint account. However I never received, signed, nor gave her the permission to deposit this check! I have filed identity fraud due to this. The check amount was {$2.00}, XXXX. 
Immediatly I called the bank to start an investigation. Once investigation was over the bank states there is nothing they can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX, XXXX  I enrolled into a only interest program with XXXX XXXX. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit scorXXXX and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my XXXX XXXX  account as proof and my XXXX  XXXX XXXX statements.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX generated report number XXXX. MONTGOMERY WARD allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to XXXX.
Product: Debt collection

I have never had an account with XXXX. This is fraud. I tried to resolve this on my credit file in 2020. This fraud is now being pursued by a new debt collector.
Product: Credit card or prepaid card

Purchased a prepaid XXXX XXXX card in XX/XX/22 for {$500.00}. Card would not work filed complaint to XXXX received reply that card issued by Axos Bank and would have to contact Axos. Contacted Axos explained issue and requested refund, Axos sent a new blank/empty XXXX XXXX card without refund loaded. Request your assistance in getting refund that is overdue for 6 months. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to equifax, XXXX  and XXXX, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*Equifax is reporting A balance of {$460.00} and utilization of 50 %. 
*XXXX  is reporting A balance of {$350.00} and utilization of 45 %. 
*XXXX  is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX mi. XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax Inaccurately reporting several accounts on my credit report. They are reporting without my permission. The dates are incorrect, and the status of accounts are incorrect. I have tried mailing them first class as well as certified letters however they continue to mail me " stall '' letters. XXXX has continued to continue to report inaccurate information. This is becoming extremely stressful, expensive and causing me problems both financially and emotionally. I am requesting they remove these accounts immediately.
Product: Debt collection

HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I dispute the debt because I have in my credit report, it is from XXXX XXXX, I have my XXXX XXXX XXXX credit card in a good standing. I already reported back to XXXX but tge ask me to attach my SSN. I dont agree to attach my personal information such SSN. I dont recognize the debt from the XXXX XXXX  debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX a background check was performed by First Advantage and it states that XXXX County Magistrate Court has a file on me back in XX/XX/XXXX of a paid debt for a check. However, it caused me to loose a job opportunity. The background check was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. I was denied the job opportunity for a paid debt that both of these companies did not remove from my account. I never went to court for this debt and paid it prior to any judgments.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX in XXXX GA 1 to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES : XXXX XXXX XXXX ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) EQUIFAX MORTGAGE SERVICES ( NEVER APPLIED FOR A LOAN ) ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open account on my credit report for which I am not responsible. 

Sent letter to American Honda Finance dispute center to have this resolved but have not heard back nor has my account been updated.