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

On XX/XX/XXXX of 2019, I transferred {$1800.00} from my own personal XXXX account to my own personal Capital One Account. In that process I had accidentally switched the last two numbers of the account number and the wire was sent off, even though the last two numbers of the account number was switched I had put my own name as the recipient and in the notes I said " to myself ''. Capital One did not cross-check the names and it has now led to this mess. For the past 6 months I have called Capital One numerous times, I have gotten a range of answers including that they found the money and would send it or that they didn't know where it was. I don't feel like I have been treated properly as a customer and was continuously told that I had to wait until I called them a week later and they said they were still " working on it '' for the 6 months. That amount of money has been sitting in my credit account and they gather interest from it. The most recent note I've gotten from their call personnel was that they don't know what account it went to, but I have the account number of the mistaken recipient since it's my own with the last two digits switched.
Product: Bank account or service

I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Bank of America. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for BOA to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with BOA who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called " investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to BOA witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me " I do n't know why they have n't even looked at your request yet ''.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inacurate information on my credit report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, Balance : {$4600.00}. I have no knowledge nor did i give authorization to this company
Product: Debt collection

At XXXX on XXXX XXXX, XXXX I received a phone call from XXXX asking if I was XXXX XXXX . I stated that he was not here. They proceeded to tell me that their company is taking legal action against me in two hours if I do n't call their main hq. I got the phone of XXXX. I called the number and spoke with a XXXX XXXX ( Badge ID XXXX. She stated that if I did not make payment arrangements that I will be taken to court for a debt that is over 13 years old!!! I proceeded to tell her that the debt has been expunged and it is past the statute of limitations. She told me that she is a lawyer and that her company will sue me and alluded to having to face jail time ( debtors prison ) if I did n't settle then and there. I knew this was a scam the more I heard from her. I told her to leave me alone and never contact me again. I proceeded to call the the Maryland AG 's office and file a complaint about her company. I am also filing a complaint with the CFPB and the FTC. My number is on the do not call list for debt collection. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX   XXXX, And Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

IN YOUR RESPONSE FROM CFPB:XXXX YOU STATED THAT THESE INQUIRIES DO NOT APPEAR ON MY CREDIT REPORT. HOWEVER, I HAVE ATTACHED A COPY OF MY CURRENT CREDIT REPORT WITH THE SAME INQUIRIES REPORTING ON MY CREDIT THAT I HAVE PREVIOUSLY DISPUTED. 

THESE INQUIRIES DO NOT BELONG TO ME XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

So last Tuesday XX/XX/2023 someone logged into my account and added XXXX recipients to my account and was able to XXXX {$1000.00} to someone else account. When i seen it on my account i called Wells Fargo. They created a fraud claim and only did an investigation for 3 days. I called and provided the police report number and other information that was needed to help with the claim. They didnt review any of the information that was sent and denied my claim. The reason they provided for denying the claim was because i had not changed my password and they feel like me or someone i know made the transfer. After me steady explaining to them that i didnt know the people and i filed the police report. And the police stated that Wells Fargo wont speak with them. Not they wont give me the money back i need assistance getting the money that was taken from me back. Can someone please help.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX  - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXXXXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/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 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

Fact, pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant 15 USC 1681a ( f ), the term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Fact, pursuant 15 USC 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Fact, pursuant 15 USC 1681a ( c ), the term consumer means an individual. 
Fact, RESURGENT/LVNV FUNDING is a consumer reporting agency. 
Fact, I, XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, is a consumer. 
Fact, I did not give RESURGENT/LVNV FUNDING or its affiliates written instruction to furnish a consumer report in my name. This is a violation of 15 USC 1681b ( a ) ( 2 ), 15 USC 1692e ( 2 ) ( A ).

Fact, RESURGENT/LVNV FUNDING being a debt buyer, it is implied that the accounts have been turned over to innocent purchasers for value. This is a violation of 15 USC 1692e ( 12 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX Department XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX 0 % has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

Transunion Credit WITHOUT my permission put a FRAUD alert on the TRANSUNION CREDIT AGENCY. I requested removal of report -- -- - I did not authorize any FRAUD report. Please remove.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Consumer Loan

I had an unsecured personal loan through Wells Fargo that had a predatory interest rate of ~21 % that I used to refinance credit cards. After waiting several months for my credit score to improve from paying off the cards, I went to reapply for another loan that I could use to pay off the original. 

I was approved for a loan with an interest rate that was half of what I was paying before. The amount was greater, but I had expenses that I was about to incur that it was going to be helpful to offset. 

After I signed the paperwork, Wells Fargo immediately discharged {$1200.00} to themselves ( agreed upon in the loan documents to go to a credit card I have with them ), and then paid off the original unsecured loan. 

I waited several days ( t+4 ) and still had not received the disbursement that was due to me ( roughly {$3200.00} ). After contacting Wells Fargo MULTIPLE times, someone got back to me letting me know they credited my account for a {$170.00} over payment of interest. They were n't even going to tell me about this over payment, but apparently they believed that this reimbursement of {$170.00} would compensate me for the loss of {$3200.00} I sent several more inquires explaining the loan documents and monies and how they were agreed to be disbursed. I have yet to hear anything back and it is now t+7 business days ( t+12 days ) and I 'm now looking for some way to come to a resolution, because clearly the bankers at Wells Fargo ca n't process basic maths.
Product: Checking or savings account

On XX/XX/2019 Lexington Law withdrew {$49.00} out my account with my authorization. I got my bank statment and noticed this. I haven't done business with this company since last year so why would they charge my account. I called the company and they had me on the run around kept connecting to different people but not to the right person I needed to talk to.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I request to recall of {$9200.00} through Citibank from XXXX XXXX  but the reply was that XXXX XXXX  cant reach the Beneficiary to return the fund. I filed a complaint on the consumer protection financial bureau on XXXX XXXX  on XX/XX/21 and XX/XX/21, XXXX XXXX  asked me to dispute funds associated with the scam with Citibank. I am disputing wire on XX/XX/21 of {$8400.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$9200.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$2000.00} to XXXX XXXX ( account at XXXX : XXXX ) with Citibank
Product: Mortgage

I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. 
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. 

Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer  confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX   11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded
Product: Credit reporting or other personal consumer reports

am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated attempts to resolve the matter directly with Equifax, their customer service team has been unhelpful and has provided no meaningful assistance in investigating the issue. 
I submitted multiple disputes and followed up with Equifax, only to receive responses within XXXX hours stating that the account information was accurate, without any evidence of a thorough or reasonable investigation. This has resulted in a frustrating and poor customer experience, with no clear explanation or proof provided that Equifax took the necessary steps to verify the accuracy of the information in question.

This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes information on their credit report. Under the FCRA, Equifax is required to reinvestigate disputed items and provide the consumer with the results of this reinvestigation, including the method of investigation and any supporting evidence used.

Furthermore, Equifax 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations underscores the need for accountability.

Given my unsuccessful attempts to resolve this issue directly with Equifax and the poor customer service experience I have endured, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Equifax complies with federal law. This includes requiring Equifax to provide clear proof of their investigation into my disputes and to ensure that such practices are addressed moving forward.

Thank you for your attention to this matter. I look forward to your response and any actions you may take to hold Equifax accountable.
Product: Debt collection

This company is trying to collect a debt that I have no knowledge of from a city I do not stay in, which has resulted in damaging my credit history, putting me further behind during a worldwide pandemic.