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

Hello, This complaint is in regards a XXXX XXXX XXXX Credit Card issued by Wells Fargo Bank. I live in Maryland and I did open this card, this is my account. I opened the card with the anticipation that I MIGHT purchase furniture in the next few months. I received the new card in the mail and everything was fine. Sometimes in XXXX I logged into my Wells Fargo portal to pay a different credit card a Wells Fargo visa card and I noticed that the XXXX XXXX XXXX Card had a balance of {$3500.00}. I was shocked because it states on the statement the card was used to make the purchase in XXXX XXXX, CA. And again I live in Maryland not California. As soon as I noticed the balance I called Wells Fargo and reported the purchase as fraudulent. I was told the charges would be investigated. Now common sense tells me that Wells Fargo would have seriously looked into this matter from a common sense point of view. This is not like a simple fraud case where someone used a credit card to buy a laptop or TV. Whoever used my card purchased thousands of dollars in furniture. Furniture is obviously huge and I thought well this investigation will be simple. They will see I live in MD and not CA. And since its furniture they surely MUST have a delivery address for the furniture or signatures on file etc. I know for SURE they did not ID whoever used my account because I have never lost my ID before. I know to a bank like Wells Fargo {$3500.00} is not worth their time to investigate. But this is furniture and there has to be several things they could look into such as store camera footage, who picked up the furniture or where was it delivered to? Did the salesperson ask for ID from whoever was making purchases on my account? Are there any forms with signatures from the person who used my account? Surprisingly and shocked on XX/XX/2023 I received a letter from Wells Fargo stating that they have completed their research and determined that I made the purchases, this just goes to show that nothing was really looked into and this concerns me because if there are people who are fraud victims and banks dont have adequate security to prevent purchases like this from happening to begin with then what are they even researching? What did the research show? I ask this because if someone like me who lives in Maryland and my account is being used in California at a furniture store then I dont know what protocols they have in place to prevent fraud for their customers. I have attached statements from Wells Fargo and the letter they sent me stating that the charges were made by me or someone I knew when the charges were indeed made by someone who is using others identities. Id appreciate if you can look into this matter for me. Due to this I cant trust the Wells Fargo security measures. Usually when it comes to a store credit card you need to enter your SS # on the kiosk pad the cashier will swipe or scan your ID.. Did the cashier/salesperson even do this much? I have decided to close my other cards with Wells Fargo due to this issue. 

Thank you,
Product: Credit reporting

I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.
Product: Mortgage

Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.
Product: Mortgage

I started loss mitigation packet in XXXX, they let is set for 90 days then said they didnt receive it. After getting more papers they asked for. Then I did it again to do loss mitigation and then assume loan like stated in our divorce degree XXXX yrs ago. They are still asking for papers due XX/XX/XXXX even tho there is sale date for XX/XX/XXXX. I need help stop sale date. After that I want to sure them for ruining my life for XXXX years straight now and for messing up my escrow and I would like to make sure they didnt scam the inhaf fund I got last year with all thier fees and charges. I am a veteran and I work for the XXXX XXXX I should not have to deal with this nor should any other American!!
Product: Credit reporting or other personal consumer reports

Had my score decrease by XXXX with TransUnion because of paying off a loan early. The same activity caused my XXXX and XXXX credit scores to go up. This happened on XX/XX/2024. I then reached out to TransUnion for explanation, to which I was not given any reason outside of it just being a dynamic score. I then asked for a link or email to file a grievance with TransUnion and was told that it is not something that they even allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many times sent over a written request to both Transunion in regards to removing inquires that are fraudulent on my account. I have also contactedTransunion via phone and no representative has assisted me with my problem. Ive kindly advised numerous times and havent gotten any response in regards to the fraudulent information being removed off my credit report. Or so much as a status update. Ive done everything that was asked of me and Ive still gotten no updates and Ive been continuously contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO XXXX, XXXX AND EQUIFAX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY REPORT.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and TransUnion just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Product: Credit reporting or other personal consumer reports

Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( TransUnion ), {$0.00} ( XXXX ), {$13000.00} ( XXXX XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirem
ent to cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The balance is reported differently across credit bureaus : {$10000.00} ( TransUnion ), {$0.00} ( XXXX ), and {$13000.00} ( XXXX ). 
The payment status is listed as Repossession, yet XXXX shows {$0.00} owed, which conflicts with TransUnion and XXXX. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must issue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been issued for thi
s account, raising questions about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
Experians reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

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

XX/XX/23 a letter of dispute was sent to experian because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian ( EX ) report their the method of verification for bankruptcies. XX/XX/XXXX XXXX ( XXXX ) confirmed that the filed date reported to ( EX ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to EX for correction. EX did not correct or update the credit report that reflected the correction from XXXX. EX did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time. I requested that information the XXXX XXXX ( XXXX  ) be investigated because XXXX  date of last payment is different. XXXX  reports that EX date of last payment is different from what they are reporting. XXXX  should be deleted due to the date of last activity has past seven years. I requested that EX update XXXX XXXX XXXX  because the date of last activity is different from what is being reported by EX. The date of last activity is 6 months after to date opened XX/XX/XXXX. I am Enclosing the XXXX report stating that the bankruptcy file date has changed. I am enclosing EX credit report the date of last activity is missing. EX is reporting a incorrect personal telephone number for me. I did not receive an updated report or a method of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am a first-year XXXXXXXX XXXX XXXXXXXX currently ( see attachment 1 for proof ). I opened a Bank of America ( BoA ) account on XX/XX/2022, before the semester begin. I was hoping to use this account to pay my rent and store my stipends. Unfortunately, things did not go well as expected. 

On XX/XX/XXXX and XX/XX/XXXX, I initiated 2 ACH transfers. The transfers are from my bank account ( ending XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX ( " XXXX XXXXXXXX, XXXX ) to my bank account at BoA. The total value is just XXXX dollars. I hereby confirm that I am the owner of the account ( ending XXXX ) at XXXX XXXX  see attachment 2 for proof ), and I myself initiated the two ACH transfers. The money in my XXXX account is also my legal money ( see attachment 2 for the XXXX bank statement, attachment XXXX for my pay stub, and attachment 4 for my XXXX funding letter as proof ). I moved my own money from one bank ( XXXX ) to another bank ( BoA ), there should be nothing wrong with it. 

However, BoA mistakenly treated these two ACH transfers as " suspicious '' ( see attachment 5 ) and closed my account because of the two ACH transfers ( see attachment 5 ). I have completely no idea why BoA identifies these two ACH transfers as " suspicious ''. 

The remaining balance in my BoA accounts ( totaling {$3600.00} ) is still frozen today ( XX/XX/2022 ). BoA also reported this ACH activity as a " suspicious '' activity to XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX, telling me that this may adversely impact my ability to establish an account at other financial institutions ( see attachment 5 ). 

I demand BoA take these actions : 1. Please reopen my BoA accounts.

2. Please unfreeze my fund as soon as possible. All the remaining fund is my legal money 3. Please report to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. that the ACH activity previously reported is normal and legal. 

I will collaborate with XXXX XXXX XXXX and start a lawsuit to solve this issue if my funds are not unfrozen within 30 days. 

======================================= Attachments : Attachment 1 : My proof of enrollment at XXXXXXXX XXXX. 
Attachment 2 : My XXXX bank statement at XXXX XXXX XXXX XXXX XXXX XXXX ( USA ). 
Attachment 3 : My XXXX pay stub from XXXXXXXX XXXX. 
Attachment 4 : Funding letter from XXXXXXXX XXXX 
Attachment 5 : The response from Bank of America to a previous complaint filed by me.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX  asked for the form to be sent to me and when I click on it, there is no loans available. However, they are asking me to pay on a loan that they say does not exist. It took 3 months to get an answer about the hardship and because I asked for a supervisor it was just a no, you have no available loans with Affirm but if you don't pay it we will go to an outside collection agency.
Product: Debt collection

was notified through my bank someone added a debt on my credit report. the agency that reported me is ARS ACCOUNT RESOLUTION. I 've never been notified by them, received mail or a call, I have no clue as to what this is for or why.
Product: Debt collection

I have tried to dispute this debt multiple times beacuse it has been reported poorly and is affecting my credit score. First of all none of the dates match up at all and the amount is wrong not to mention the address they have on file is in Florida and I have never lived or even been to Florida I have the right in the FCRA to have my credit report 100 % accurate and clearly this is not so I would like for this to be removed from my credit report or I will be seeking litigation to sue for defomation of character.
Product: Credit card or prepaid card

On XX/XX/2021 I requested an increase with the credit card company. They denied my request. XX/XX/2021, I received a letter from them stating my account is being closed due to " A delinquent credit obligation ( s ), either paid or unpaid ''. I called the company immediately asking why my account was closed. The gentlemen stated based on my current credit, it makes me to risky to be a customer holding a credit card with them. I believe this to be discrimination and unlawful. I have had a credit card account with this company for over 4 years now and have never missed a payment or had a late payment. THe gentlemen I spoke with even said, " I see that you have a good payment history with us. '' This company closing my account with those remarks has affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has repeatedly charged me late on payments when in fact Im not late cant mail a payment in the mail they say they never receive it I call to pay it they charge me extra money I pay on there website it takes to long to receive payment and they charge me late Ive disputed every time and won the case but Im just tired of the emotional distress of my credit score dropping XXXX points my family depends on my credit please help me with is bunch of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. The following addresses are incorrect and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX and XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Student loan

Coast Professional took over my student loan. I received a letter that my wages would be garnished. I called and spoke with the manager ( so-called ) there by the name of XXXX XXXX. I explained to him that I was on a payment plan prior with another company from Dept of Ed and that my payment suddenly stopped from being deducted from my account after 2 years. He stated that he would look into it. Two weeks had gone past and I heard nothing. The next pay cycle my check was deducted {$XXXX} ( per pay period ). I called Coast XXXX and asked what could I do, XXXX XXXX was rude and said " What do you mean what can you do? Pay it! '' I told him that I would call Dept of Ed and get to the bottom of this. I called Dept of Ed and they had no idea that I was getting garnished. That was only after I was hung up on by 2 people while transferring my call. 
I called back and got a manger on the phone who explained everything to my wife and I. I then sent all the paperwork needed to Coast XXXX in XXXX. I had to keep calling to check that they did receive it. Only to find out that XXXX XXXX is the manager of wage garnishment and they were already in the process of garnishment. The phone calls kept going because we would send info only to be told " Oh you forgot something '' on ly to point out that they received it already. We were then told that my garnishment wages were granted to be stopped on XXXX/XXXX/XXXX by XXXX. I called Dept of Ed only to be told that they had none of my information and they do not know why I was told such. I called Coast XXXX back and spoke with XXXX this time because XXXX who prev told me that an item was missing again was busy. XXXX stated that Coast has not sent my information yet because they did not have all my paperwork. I am still waiting for this to be resolved. I asked for the loan amounts to be sent and I have yet to receive paperwork about my loans or paperwork stating that my wages were garnished! 
This company is HORRIBLE and Dept of Ed should be ashamed to let their student be handled in such a way. I now recommend to all kids not to take out a student loan just go to trade school and try to get a grant!
Product: Checking or savings account

I realized that my identity was stolen a while back and I recently checked my credit and discovered accounts that are the result of identity theft, and these account is one of them.
Product: Mortgage

Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX  to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform Experian and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report