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

In the past 5 months, there have been XXXX fraudulent charges on XXXX Wells Fargo accounts ; a checking and a credit card account. Given fraud on the debit card, Wells Fargo cancelled my card and reissued a new card. Within 3 months of the new card being issued, there was new fraud on the debit card. The latest was {$31.00} for a XXXX clothing store charge apparently made over the phone - i.e. the card was never swiped since it has been in my possession. Most importantly, I have never once used this new card with new account details ( not once in an ATM, online, swiping, over the phone, never XXXX yet somehow its details were stolen within 3 months. I believe Wells Fargo is negligent in protecting client information ; either an employee is selling client information or there system has been hacked, however they provide no clarity. 

They also initially failed to even cancel the maintenance charge since I ca n't even use the account since it 's constantly frozen with fraud charges/I 'm awaiting new cards. They were more than unhelpful an sales representatives were aggressive and confrontational. Over the phone, no explanation of how this could happen was provided and I felt the call center was discouraging me from contacting the CFPB, saying they take making formal complaints a very serious matter, suggesting that the theft and illegal use of my card details was not sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed letters on XX/XX/2020 to equifax XXXX and XXXX  about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX in XXXX va in XX/XX/2020 with the understanding that I was trading my vehicle in at the time. The dealership approved a separate car loan and stated the insurance would take my vehicle that was damaged that was not the case. I now have two car payments I am unable to afford and unable to afford an attorney even though they committed predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact this company multiple times and they are saying they have no information about my account but the account shows up on my credit report. I have also disputed this multiple times with XXXX and it comes back as verified but there is no way it could as they have no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score 18 points, that took me to a 629. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at 701 with some XXXX collections and once they were remove over a year ago, my score went down as low as 600 and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the 30 point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Start looking at the accounts XXXX XXXX XXXX. I believe this information may be inaccurate. I need this removed accordingly. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting

There are items on my credit that I know are not mine. I also can not get a copy of my credit report from the XXXX major credit report sites because of the items that are not mine on my credit they can not prove that I am myself. I am in the process of mailing copies of my information to prove my identity to them so that I can receive a copy of my report from them. I did find that my local bank had the wrong social security number in their system for a credit card I have with them and that has been rectified. So, I do not know if that was the problem with my credit or not because of the variance of my social on my credit. The only reason why I know there are items on my credit that are not mine is because I went to the bank that I have a auto loan through to refinance it and they pulled up my report and pointed out the problems to me there. What other ways can I get this resolved? If it really is identity fraud and I report it to the credit bureaus what happens next? Should I file a police report at my local department?
Product: Student loan

In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions where authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I APPLIED FOR A US BANK SECURED CREDIT CARD ON XX/XX/XXXX AT A LOCAL BRANCH THE BANKER HELPED FILLING OUT THE APPLICATION AND PROCESSING A CASHIERS CHECK FUNDED BY MY CHECKING ACCOUNT AT US BANK. I COMPLETED THE PROCESS. 

XX/XX/XXXX THE ACCOUNT SHOWS UP ON MY CREDIT REPORT BUT I DID NOT RECEIVE MY CREDIT CARD IN MAIL YET UNTIL XX/XX/XXXX WITH A AVAILABLE CREDIT OF {$470.00} THEY HAD DEDUCTED THE {$29.00} ANNUAL FEE, I WENT AHEAD AND USED THE CARD SUCCESSFULLY SEVERAL TIMES BETWEEN XX/XX/XXXX THRU XX/XX/XXXX. MY ACCOUNT WAS FORCEFULLY CLOSED LESS THAN 1 MONTH OF RECEIVING THE CC I REQUESTED A REASON NO REASON WAS GIVEN OR ATTEMPTED TO ATTEND TO MY CONCERNS. 

I WILL NOT BE RECEIVING A REFUND OF {$29.00} FOR ANNUAL FEE I HAVE ALSO INCURRED A {$27.00} fee + {$2.00} interest for a late payment that was due XX/XX/XXXX WHEN I HAD PREVIOUSLY CALLED AND CONFIRMED THAT THE {$49.00} DUE ON THE CARD WILL BE DEDUCTED FROM MY SECURED DEPOSIT AND THE REMAINING BALANCE RETURNED TO ME IMMEDIATELY THAT WAS NOT THE CASE INSTEAD US BANK CHARGED A LATE FEE AND INTEREST FEE ON A CLOSED ACCOUNT AFTER THE FACT THAT IT WAS SUPPOSE TO BE REVIEWED BY XX/XX/XXXX AND MADE A CHECK OUT FOR THE REMAINDER BALANCED OWED TO ME LIKE I WAS TOLD. 

THE ACCOUNT NOW HAS A BALANCE OF {$0.00} AVAILABLE CREDIT AND XXXX BALANCE. 

MY CHECKING ACCOUNTS WERE ALSO CLOSED.
Product: Money transfer, virtual currency, or money service

Hey, I am to formally express my concerns regarding Zelles handling of disputes, particularly in 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XX/XX/2022 about my score dropping 65 points from XXXX XXXX through XXXX, went from 750 to 685. I asked them the reason because on my report it had no reason. We went through my report together and both found no reason for the point drop and they said they can not fix the score. I was in the process of looking to buy a home and this happens. It is unfair that they can just drop a score by that much and have no reason behind it. 

I feel like we all work hard to have a good credit score and by doing the right thing, I feel the credit report agents Equifax should have to fix my credit score. Or be sued for such false reporting scores. we all know how a low credit score can affect rates when getting a loan. 
Im asking the CFPB to have them fix my Score or have a legit reason, and if they can not i dont believe should be in the business of reporting scores that effect everyone in the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Checkr has taken longer then 30 days to process my background checks for XXXX XX/XX/2021 XXXX XXXX  MST and XXXX. XX/XX/2021 XXXX XXXX  MST. XXXX has already exceeded 30 days and is in violation of the FCRA. XXXX shows a estimated completion date that exceeds 30 days and will be in violation of the FCRA. They blame COVID-19, however, that does not excuse Checkr from the law. I have emailed multiple times and only get automated or canned responses. Checkr intentionally, willfully, and with malice disregards the rights of consumers afforded under federal law. This has been an issue not only for me, but for tens of thousands of others. I request under law any and all applicable financial compensation that I am legally entitled to, due to Checkr 's negligence and willful violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I am paying on a chapter XXXX bankruptcy and the company " Radius Global '' will not stop calling me at my request and my attorney 's request. They call over 4 times every single day and I've even spoken to them to stop.
Product: Student loan

I used to have multiple TEACH grants that I was able to retain as long as I annually provided the servicer with proof of my continued employment as a XXXX following my graduation from XXXX University. Without providing this paperwork as proof, my grants would convert to loans. XX/XX/XXXX, after a full year of teaching, I submitted the required paperwork via fax, as more contemporary methods like email were not an option provided by the servicer. I received an email confirmation that the fax had been received later that same day. 

Fast forward to XX/XX/XXXX. My husband noticed in my FedLoan account that we had a higher loan total than before. My grants had been converted to loans without any notification. I immediately called FedLoan to find out what had happened. They explained that XXXX page of my fax did not go through, and without that XXXX page they considered my grant renewal paperwork incomplete. 

I was not contacted by FedLoan by phone even once to explain that the fax had n't completely been received. A letter eventually came in the mail stating that my grants had been converted to loans, but no sincere warning was ever given. 

After combing through old emails, I eventually found one from FedLoan stating that I had a message in my account- the exact same message sent when you have a new account statement available. I rarely, if ever, checked my account statements right away, so naturally I did not sign in immediately to read the message that my fax had n't gone through. This email message was sent with absolutely no indication of any urgency, and was of course not followed up by FedLoan with any kind of phone call, follow-up email, or email to my backup email address listed in my account. 

No one from FedLoan ever made any sincere effort to notify me that the fax had n't fully gone through, and that as a result I would be incurring an additional {$10000.00} of student loan debt. It is my belief that without actual notice of a problem, there can be no lawful conversion of her grant to a loan. I have fought this for nearly a year since, and FedLoan refuses to reverse the decision and convert the loans back to grants. It 's almost like FedLoan went out of their way to avoid notifying me of the mistake in an effort to turn a liability into added revenue.
Product: Debt collection

I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts will remove in my credit file as soon as possible. Here are the list of disputed accounts : XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX
Product: Vehicle loan or lease

Hi, i'm a XXXX XXXX and my truck is being financed with Keystone Equipment finance Co. XXXX XXXX XXXX Ct, my account is being in good standing since day one, i have my insurance policy on my name with them as lean holder, a few weeks ago, i had an incident with a deer on the road, this caused some damage to the bumper of the truck, i took an estimated from the truck dealer and sent it to the insurance comp., they sent me a check yo pay for the repair, on my name and rhe financing co name XXXX to cash the check, it needs to be endorced by me and them, when i called them to meke it posible, they asked me to send the check to them, well now they kept the check without reason, and i can't pay for the truck repair, is it legal to keep my check, just because they are financing the equipment?, even when the account is current and in good standing? what is my right in this case?, thank you in advance.
Product: Payday loan, title loan, or personal loan

I entered into a Rent to Own agreement with Acima to purchase furniture at XXXX XXXX in XXXX Texas. At the time of the application, I entered my bank routing number and debit card information. Please note that this was my second time using this company. 
I did not note any issues with the account as the company is supposed to pull my payments bimonthly automatically. It seemed that there were billing issues, so I decided on XX/XX/2021 to exercise my early payout option. At that time, I noted that there were several additional charges ( late fees and a NSF ) included in the remaining balance. I went ahead and processed the final payment. 
On XX/XX/2021, I contact the company regarding these additional fees. The representative notes that they had tried to process the XX/XX/2021 payment from XXXX account ending in XXXX. That has not been an active account in a minimum of 4 years. Their inability to process this payment resulted in an NSF. 
On XX/XX/2021, I was notified by email that I had authorized them to switch to the VISA ending in XXXX. This is a relatively new card therefore it validates my contention that I provided them with new banking information in order for them to have this credit card number on file. 
They then proceeded to process all payments using the VISA card reference above but never processed the payment for XX/XX/2021. This allowed them to tack on a {$10.00} late fee for every payment. 
When I contacted Acima on XX/XX/2021, they stated that because the lease was paid on XX/XX/2021, they could not refund these erroneous fees.
Product: Mortgage

Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.