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

I opened an account with B of A in XXXX. I had XXXX checking accounts and XXXX savings account. On XX/XX/XXXX i took a check in the amount of XXXX which was issued to me by XXXX XXXX for a claim resulting from an accident to the bank to deposit, It was endorsed by myself and my finance company with a signature guarantee. I deposited it at the counter with the teller and was advised the funds would be available the next business day ( XX/XX/XXXX ). My deposit slip cited the same info, however the next morning the bank had extended the hold to 10 days which meant i would not have access to the funds until XX/XX/XXXX. 
On XX/XX/XXXX i was attempting to access my account online and could not do so. I contacted customer service who told me my account was pending closure. No explanation, no options to access my money. Mind you this is money for car repairs and the check had already cleared days earlier ( per XXXX ) I had a number of payments set to be made on the XXXX pending that deposit that subsequently went unpaid including my car note as a result of this random account closure. I went into the same branch i had deposited the check and the teller adv me to call cust service and ask them to release the available funds. There are no outstanding payments due on the account to justify a hold on my money. The person i spoke with regarding my deposit was rude and said i could not access the money, and that it may be another month before that the closure was final and my funds dispersed to me... depending if they had to cover additional charges. This violates my right to access the funds on the day promised and has thrown me into financial duress with my vehicle now under threat of repossession, and my rent payment bouncing. They have offered no recourse and have left me in dire straits. They have also not cited any cause nor even advised me of the account closure. I had to figure it out on my own.
Product: Mortgage

Ok so it's technically not about my mortgage as it is my mortgage company. The mortgage company is Newrez ( Shell point ). The issue is that my mortgage company will not release my insurance claim funds. On XX/XX/XXXX I contacted my mortgage company about releasing the insurance claim funds in order to pay my roofer for the work they had done. The insurance claim is from last year 's hurricane ( Ian ). The insurance company had finally issued me the check on XX/XX/2023 in order to do repairs. The check however was in both my name and the mortgage co name. I called the on XX/XX/XXXX to see if they had the insurance claim funds and could they release these funds to pay said contractor. They informed me that I need to fill out paperwork that we NEVER received, then once the paperwork was completed an inspection needed to be done and then after all that they would disperse some funds. I asked them if I payed off my entire mortgage would I get the money sooner. A representative in the Lost draft department told my wife and I that..Yes if I paid off the mortgage, they would release all the funds and I would have them in 3 days. On XX/XX/XXXX, I paid off my mortgage and received a copy of My Acknowledgement form from them that the mortgage is closed. On XX/XX/XXXX, I called them back and asked them when my insurance claim funds would be released since they no longer have a vested interest in this property. Needless to say I was bounced around from department to department for over 4 hours and stating that it was not their department that handles that. I continued to call every day since then including yesterday XX/XX/XXXX. Customer Service is now telling me that it will take 30 days for the funds to be released. I explained to them again that these funds had nothing to do with my actual mortgage ( which was paid in full ) and that these funds were for repairs, also at this time with them not having a vested interest in this property that the funds should be released immediately. I don't think they should be holding onto my insurance claim checks since they no longer hold a mortgage to my property.
Product: Checking or savings account

On XXXX I received a text message wanting me to confirm a transaction from my business account for XXXX. I immediately pushed XXXX to deny the purchase. I have my account set up to alert me of charges over a certain amount to prevent theft. A response came back saying a representative from Wells Fargo fraud department would call me soon. Text still came through asking for me to confirm my information. They said they needed this information ( sign on info ) immediately to prevent the transaction. They said the XXXX department was backed up and this was the quickest way. I then received a call from XXXX which showed up on my end as Wells Fargo. I also XXXX  the number and it came up as Wells Fargo as well. They said they were from the fraud department and were trying to close my account to stop the transfer, and open a new account for my business. This call lasted XXXX mins, where they kept putting me on hold going back and forth like they were actually doing what they said. Later that day I went on my bank account and realized that all my funds had been transferred, and I was out XXXX. I realize that I fell victim to what I have learned is a common scam. I have struggled the past 11 months trying to stay in business ( which I started in 2022 with my Mom ) all because I thought it was ligit. The number they called me from came up as Wells Fargo, which I belived was the bank calling. I was XXXX XXXX XXXX at the time and have felt like the XXXX  XXXX for falling for this scam. I was not involved, nor did I approve either one of the transactions that took place. Wells Fargo has denied my claim. They way the number showed up as Wells Fargo, how am I suppose to know, or believe, that one of the employees weren't involved in stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conformation # XXXX for payment XX/XX/XXXX for {$720.00} XXXX XXXX Account XXXX Letter of receipt for payment from Wells Fargo Bank Conf # XXXX dated XX/XX/XXXX with our Routing Number full XXXX and last four of our Acct # XXXX all Correct Documentation of Conversation with Supervisor XXXX XXXX Employee # XXXX from XX/XX/XXXX letting us know this was Wells Fargo Bank XXXX for not processing and would not effect our credit. This was NOT Returned from our Bank at all Conformation # XXXX for payment on XX/XX/XXXX for {$740.00} Letter of receipt Conf # XXXX from Wells Fargo with our Routing Number Full XXXX and Last Four of our Acct # XXXX all Correct Note from speaking with Representative saying Wells Fargo did not process This was NOT Returned from our Bank at all Would appreciate a letter that I can use to clear this off our credit report as this was a Wells Fargo Bank Error as told to us by your staff at the time on both occasions. We went through this process the first time with XXXX XXXX who outright told me he would not pass me to a supervisor and he would not correct it. this is wrong and harmful to consumers. We did not pay late and can prove it. Which is more than Wells Fargo can say! Who protects consumers? XXXX XXXX XXXX - act # XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 - UNAUTHORIZED INQUIRY has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX DEPTEDNELNET Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # 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 reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX Letters were mailed to XXXX , Equifax and XXXX regarding the inaccuracies of my personal informtion.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have auto debt from XXXX XXXX XXXX in AZ. I was not able to pay for the car note so they came to repossess the vehicle. After they repoed the car a company named BHK Financial in AZ started contacting me about the debt and repaying the amount. At first, I started paying what I could which was about {$100.00}. After the pandemic hit I was not working ( BHK was notified ) and I couldn't pay for a few months. 5-6 months went by and they contacted me asking if I was able to find employment. I let them know that I did find a job and that I was willing to continue payments. However, after a month or so, the representative called and told me that they needed more money to close the file and that their " client '' ( XXXX XXXX XXXX ) will not accept my small payments. He told me I needed to start paying {$1000.00} a month to close my file. After I told him I was not able to pay that much he let me know that their client will take legal action to get all the money from me ( and the lawyer fees ). After that conversation, I decided to stop sending payments and find help ( found CFPB ). Since that time I have contacted BHK to make another payment on that account. They let me know that their client may not accept my payment as they are looking to take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries and the reappearance of older reports on my credit history. On reviewing my credit report dated [ XXXX ], I found the following unauthorized inquiries : Additionally, I have noticed the reappearance of older reports, which are over ten years old, as follows : These inaccuracies were not authorized by me and have negatively impacted my credit score. Despite multiple attempts to resolve these issues, I have not received a satisfactory resolution.

I request that you : 1. Investigate the unauthorized inquiries and the old reports.

2. Remove these inaccuracies from my credit report.

3. Confirm in writing that the items have been removed.

4. Ensure that such unauthorized access does not occur in the future.

Please consider this email a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a resolution within the 30-day timeframe mandated by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card

I had a balance of {$1100.00} with a Venmo credit card, leaving a credit available of {$62.00}. I paid it off in the XXXX. I still dont have access to available credit. They said they can hold the payment for 15 days. In the meantime, I can not use the card or the money I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of UNAUTHORIZED INQUIRIES currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. This agency was only allowed 4 business days after receipt of the Identity Theft notice to remove the disputed items and shall not be granted any further time to address this consumer dispute. This agency has alleged a completed investigation but has failed to provide evidence and proof of my consent, instruction, or expressed written permission for the disputed inquiries to be furnished as required by law. In accordance with Federal Law under the Fair Credit Reporting Act I now require this agency to immediately remove or block from reporting the following unauthorized inquiries : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions
Product: Checking or savings account

I recieved a email from chime bank saying that my account was suspended and that I needed to provide proof of where the money in my account came from. After sending in all documentation o received another email saying my acount was closed and that I'm not eligible for a refund. They took over XXXX dollars I've been saving to buy a house.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I discovered accounts reporting on my credit reports that I never opened. I do not recognize any of the account information. And I never engaged in any business with the companies named on the accounts. The credit reporting agencies, Trans Union, XXXX, and XXXX have a duty to ensure that they are reporting fair and accurate information but they have failed to do so. How can a credit reporting agency be handling private financial information and make a mistake like this? Since then my credit standing and reputation is being damaged more and more daily. I am seeking redress and equitable relief for the fraudulent account information to be deleted from my credit report within 4 days from the receipt of my notice of dispute. The fraudulent accounts are : XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, Account # XXXX. I have attached my appropriate identification, proof of my real address, an identity theft notice, and an identity theft report through the Federal Trade Commission.
Product: Student loan

Federal student loans for XXXX school serviced by Navient. I have for many years had automatic withdrawal for student loan and never missed payment. I have 2 remaining federal loans with Navient. the first for {$12000.00} and another for {$8900.00} for a total of {$21000.00}, both a fixed rate at 3.625 %. I have for years sent the same payment every month for {$550.00} for both loans. Per their information with continued payments of {$550.00} every month until XX/XX/XXXX I will have paid off the loan. Based on the information they provided me, it will cost me over {$100000.00} over the next 16 years sending in {$550.00} every month to pay off this {$21000.00} balance. I called to clarify this and over the past 2 months failed to get an answer. I was told that once the loan reaches a XXXX balance, no more money will be withdrawn and if I continue to send in current payment with automatic payment and never miss a payment, then my interest rate will stay the same and they claim I should have loan paid off by XX/XX/XXXX. Per my calculations, {$21000.00} balance at fixed rate of 3.625 % with current payments of {$550.00} every month, this loan should be paid off in 40-41 months, which should be 3.4 years from now, which would be XX/XX/XXXX, NOT XX/XX/XXXX. I have been trying to clarify what is going on with my loan and loan payout. Multiple messages via email have been sent with clarification. I sent an email that I was going to lodge a complaint with CFPB and my State Attorney General Office and I promptly received a message from XXXX XXXX at XXXX extension XXXX with Navient. I returned her call and left messages several times but have yet to hear from anyone to clarify my loan payoff question. I hope this office can persuade Navient to clarify a very simple question about the date this loan will be paid off. <P/>Thank you
Product: Debt collection

Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch in their system that violated the rights of their consumers under section 6.11 of the Fair Reporting Credit Act. I have been greatly affected and my score is suffering as a result. This computer glitch caused all the inquiries on my credit report to be deleted and my credit score increased. The inquiries were then added back to my credit report without written notification in direct violation of section 6.11 of the Fair Reporting Credit Act. I have attempted to call Trans Union at XXXX on this matter several times being placed on hold for indefinite amounts of time or mysteriously disconnected. I finally managed to reach XXXX ( did not give last name ) on XX/XX/2019 at approximately XXXX hours. I informed XXXX that I was aware of the computer glitch and noticed several inquiry items on my credit report that had reappeared. XXXX 's response was, Where did you get information from about a glitch? Who told you that? I told him that I received that information from several sources on the internet including the CFPB. XXXX seemingly mocked me by asking, You believe everything you read on the internet? I reluctantly continued to speak with XXXX about the inquiries and unless I misunderstood him, XXXX stated, Doesnt look like you were affected. Out of frustration, I ended my call with XXXX. I am tired of being victimized by Trans Union. Its bad enough that I recently had to file Chapter XXXX Bankruptcy due to the untimely death of my spouse, but now that Ive been discharged from that Bankruptcy and trying to recover my finances, now I must deal with these despicable tactics on behalf of Trans Union. I demand that Trans Union remove these inquiries from my credit report immediately before I seek a legal recourse.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XX/XX/XXXX, I noticed a remark on my XXXX  Credit Card account stating that I was 30 days late in XXXX of XXXX, despite having a {$0.00} balance during that period. This discrepancy was alarming, especially considering that I had diligently attempted to set up auto-payments through XXXX 's online system, only to find that the system did not save the settings. Even when I called customer service, representatives were unable to rectify the issue, and the auto-pay settings could not be saved. 

The representative confirmed that I had no outstanding balance, yet XXXX continues to refuse to remove this remark, despite my impeccable payment history. 

Despite my persistent efforts, including weekly phone calls and messages, XXXX has not responded or taken any action to resolve this matter. This inaccurate reporting not only tarnishes my credit history but also undermines my financial credibility, despite my consistent and reliable payment record. 

The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX  Credit Card promptly rectifies the inaccurate reporting. 

Thank you for your attention to this matter.