23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2016, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on XXXX and 18 on Equifax. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.
Product: Checking or savings account

on XX/XX/21 a wellsfargo atm shorted me and 3 other customers. we all filed claims and today they tell me my claim was closed because the ATM had no shortages for that day. they will not escalate the call
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : LexisNexis RISK SOLUTION AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft following the data breach involving Equifax. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/year> Equifax publicly reported a significant data breach that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan opened at XXXX XXXX XXXX  on XXXX, a personal auto loan opened at XXXX XXXX XXXX on XXXX, a residential lease opened at XXXX XXXX XXXX XXXX XXXX XXXX, a personal phone opened at XXXX XXXX XXXX XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX, a cable utility account opened at XXXX XXXX XXXX on XXXX, a gaslight utility account opened at XXXX XXXX XXXX on XXXX and hard inquiries with XXXX XXXX XXXX on XXXX and XXXX, with XXXX XXXX  on XXXX and XXXX and with XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, with XXXX XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX and XXXX, and lastly with XXXX XXXX on XXXX and XXXX demand that the aforementioned fraudulent items be removed from all 3 of my credit reports.
Product: Consumer Loan

I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong.
Product: Checking or savings account

Opened Wells Fargo Everyday Checking on XX/XX/2023 with {$320.00} welcome bonus. 

Welcome email from Wells Fargo states : " Your application was approved and your new account is eligible to receive a bonus upon meeting eligibility requirements and qualifying activities. '' The terms are : ( 1 ) Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2023. All account applications are subject to approval. 
( 2 ) Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account.

I satisfied ( 1 ) by making an opening deposit of {$500.00}, which posted on XX/XX/2023. 

I satisfied ( 2 ) by making a direct deposit of {$1000.00}, which posted on XX/XX/2023 and is listed as " Category : Direct Deposit '' on Wells Fargo website. 

Therefore, I have satisfied all requirements of the {$320.00} bonus, but Wells Fargo has not paid the {$320.00} bonus. I contacted Wells Fargo ; they submitted a back-office form but have not heard back since. I am asking the CFPB to promptly take action and credit my account {$320.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir necessary details/Madam, I am writing to formally lodge : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Formal Complaint XXXX and XXXXXXXX XXXX Against MONTEREY COLLECTION XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and Credit as well as the credit reporting agencies ( XXXX, XXXX, and XXXX ) for their involvement in reporting and maintaining inaccurate information on my credit reports. The account details are as follows : - Account Name : MONTEREY COLLECTION XXXX - Account Number : XXXX - Recent Balance : {$6000.00} as of XX/XX/XXXX - Date Opened : XX/XX/XXXX - Status : Collection account, {$6000.00} past due as of XX/XX/XXXX - Original Creditor : XXXX XXXX XXXX XXXX I have several concerns regarding this account : XXXX. **Inaccurate Information** : The amount reportedaus is inaccurate on my credit bure. The original amount of this account was {$4300.00}, yet the balance has increased to {$6.00} Additionally, theXXXX without any XXXX report explanation or documentation shows a charge-off the inconsistencies provided to me. amount of {$6000.00}, which further highlights in the reported information. 

XXXX. **Lack of Ownership documentation or original letter Proof** : I have of ownership from never received any MONTEREY COLLECTIONXXXX XXXX XXXX showing that they XXXX XXXX XXXXXXXX XXXX have taken ownership of this debt. This lack of proof raises serious doubts about the legitimacy of their claim. 

XXXX. **Impact on Credit** : This inaccurate and unverified information is severely damaging my credit score, preventing me from obtaining a home. The erroneous reporting my financial well is unjust and has significant negative-being. 

Additionally consequences on, there is a history of legal action against MONTEREY COLLECTION XXXX, including a proposed class action lawsuit for allegedly violating the Fair Debt Collection Practices Act ( FDCPA ) by sending collection notices with undisclosed fees that were not authorized by the contract. 

Given these issues, I request the following actions : - Immediate removal of this account from my credit report due to the inaccuracies and lack of proper documentation. 
- Provision of the original letter of ownership and any supporting documentation that MONTEREY COLLECTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX have the right to collect this debt, including my signature. 
- A thorough investigation into the practices of MONTEREY COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
- Correction of all inaccuracies across all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I have attached copies of the account summaries and credit report details for your reference. I urge the CFPB to take swift action to rectify this situation and prevent further harm to my credit standing and ability to secure a home. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

XXXX XXXXXXXX  or NCA or XXXX XXXX is reporting 1 debt 3 times. The same debt and same amounts reported 3 times.

I've asked company to correct and they've IGNORED my requests.

I've contacted all 3 credit bureaus and disputed these items MULTIPLE times and all 3 bureaus REFUSE to remove or even VERIFY the information is correct.

THIS IS PLAIN AND SIMPLE CONSUMER ABUSE. PUNISHMENT BY THIS COMPANY BLATANTLY REPORTING THE DEBT MULTIPLE TIMES. NOT ONLY IS INFO INCORRECT, BUT OPEN DATES ARE INCORRECT. AMOUNTS ARE INCORRECT AND TGE REFUSAL TO CORRECT IS ABUSE.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account XXXX : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I belong to Experian Credit. 
I checked my report & shows to accounts With the wrong balance 1. XXXX XXXX XXXX XXXX {$7800.00}. Wrong Was paid off. 

2. XXXX, XXXX. 
Balance {$640.00}. Wrong Cancelled sell balance {$0.00} I tried to Correct this through Experian But was not able to correct this matter. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I froze my Experian credit report and received a PIN to use to unfreeze the account. Twice I have tried to use this PIN to unfreeze the report and twice I have been unable to do so. Experian does not have a customer complaint telephone number so I am forced to write to the company and wait for a reply. I just want to unfreeze my account when necessary and do not think I should have to wait to do so. Time is of the essence.
Product: Credit card or prepaid card

This complaint involves two banks : First National Bank of Omaha and XXXX XXXX  XXXX We opened account with XXXX in XXXX We requested balance transfer We were not granted the amount requested and the pop up said we would be notified if they were able to do a transfer We received the card late XXXX We signed up for online services and upon doing so saw a transfer pending - although we were unsure to where Later we saw that the transfer was complete but did not see it on any account we had Contacted XXXX  XXXX XXXX numerous times and have been in contact with and discussed with 5 Executive advocates that each tell us that we need to resolve this issue with FNBO because they cashed the check. Its my understanding that XXXX has contacted FNBO and they are saying that can't speak with them about the issue or use the Miss applied balance info that has been sent because they are not the customer and that my husband and I will have to do this. They have also completed a dispute for us just yesterday after two months of requesting help after a manager at XXXX and FNBO spoke and disagreed on the next steps. We have been told in no uncertain terms that XXXX can do nothing else for us. Listen to all the recorded calls please. 

Contacted FNBO as requested by XXXX. We usually can not get farther than the associate- although lately, we have been able to get a manager to discuss. FNBO says that it is XXXX that needs to resolve this. I have sent a copy of the cashed check to FNBO 4 times to the accounting department. Apparently, because the check has not been applied to an account it is in limbo. So they say it is XXXX  that we need to talk to. 

The check for balance transfer had many issues. The account number was incorrect XXXX has made it clear that we must have made that mistake - Ok maybe we did it is our XXXX XXXX XXXX number except one number is incorrect. The check was sent to XXXX XXXX XXXX  XXXX XXXX and cashed by First National Bank of Omaha. The check was for {$470.00} and was written on XX/XX/23 and per my statement cashed XX/XX/23. It has my husbands name and address. It is confirmed that the routing and acct number on the back are in fact FNBO. 

It is ludicrous that I have to continue to call each place and spend hours of my time on the phone and emailing to get this resolved. We are also currently paying for this balance transfer on my XXXX  account to which we have had no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on XXXX XXXX, and XX/XX/2013 on Experian. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with Experian and XXXX XXXX respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX XXXX
Product: Student loan

On XX/XX/2021 I mailed a certified Debt validation letter to Navient- Department of education . In this letter I stated " Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested ''.
Product: Checking or savings account

CHASE HAS RIPPED ME OFF, THEY CLOSED MY ACCOUNT BECAUSE I DISPUTED SOME FRAUDULENT TRANSACTIONS THAT WERE ON MY ACCOUNT. 

THEY NEVER GAVE ME MY MONEY BACK AND I HAVE TRIED TO RESOLVE THE ISSUE SEVERAL TIMES IN BRANCH. 

A MANAGER TOLD ME " HONESTLY CHASE DOESN'T WHETHER YOU MADE THE TRANSACTIONS OR NOT, THE PERSON GUESSED YOUR PIN NUMBER SO YOUR SCREWED ''. 

THIS IS UNAMERICAN, AND EXTREMELY IMMORAL. THEY KEEP SAYING THEY NEVER RECEIVED A DISPUTE EVEN THOUGH I HAVE A CFPB DISPUTE ABOUT THIS ISSUE, THEY NEVER INVESTIGATE THE CHARGES!
Product: Checking or savings account

Each time, I contacted the bank. They closed down the card and issued a new one... which takes 10 business days to arrive WITH NO TRACKING for the card. When I questioned them about the repeated problem they said 'maybe there was a skimmer. Do you look carefully at the ATM? ' I told them I do AND the onlyATMS I use is AT/IN THEIR banks ... not a stand alone kiosk or at a convenience store. They offered no explanation OR CONCERN. This sounds like 'an insider ' stealing data but their fraud groups seems unconcerned. This is not acceptable to me.
Product: Credit reporting or other personal consumer reports

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX BALANCED {$1700.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Mortgage

I purchased a home with bank of America in 2020. Over the past 5 years bank of America has stolen over {$5000.00} from me through fraudulent tax payments taken out of the mortgage payment which are not applied to the mortgage and have been kept by the bank.
Product: Mortgage

False refinance information provided by originators of loans in XX/XX/XXXX led to almost foreclosure and eventually bankruptcy in XX/XX/XXXX. Still trying to recover financially as my home is in need of dire repairs, but I am unable to loans because of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Experian has 2 address on ADDRESSES page 1of 14 XX/XX/19 XXXX XXXX XXXX XXXX is not a complete address unit missing number -- XXXX is not a complete address by Rxperian
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i.

which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

$ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm filing a complaint with a CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues. which may violate the electronic funds transfer act as it requires timely access to funds. this situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld .Thank you
Product: Debt collection

I have no idea of this collection and I would like to report it the amount of {$170.00} XXXX. XXXX, 2017 ( 5 yrs, 2 mos ) .AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Product: Mortgage

I bought an investment property in XXXX 2015. My original mortgage was serviced by XXXX XXXX. The house I bought was appraised at {$200000.00}, but the seller agreed to sell for {$200000.00}. I paid XXXX % of the purchase price and XXXX % was paid by lender. An Escrow should have been needed in this situation, however, I agreed to open an escrow to impound taxes and Insurance with the understanding that when I make 12 consecutive payments the escrow will be removed. The mortgage servicer transferred the loan to Freedom mortgage on XX/XX/XXXX, which was couple weeks after I made my 12th payment. The new services refuses to remove escrow and have cited incorrect reasons for not removing the escrow. ( attached is the letter denying my request to remove escrow ).