23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.
Product: Student loan

I am reaching out to someone because I have been making student loan payments for years. Although I have not paid 120 payments, I have paid large amounts of payments on my loans and feel that the amounts continue to go up instead of down. I know that I recently restarted a graduate program but even before the graduate program, my loan amount was still high. I have been working and paying back my loans ever since graduating from school and feel that money keeps getting added to my account. I want a full investigation launched into my account as I am reporting this to the XXXX XXXX XXXX and state auditor 's office. This is ridiculous that someone who has paid over {$96000.00} and still owe over {$100000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I wasnt able to get my credit limit increase when Ive been making on time payments for months, I just a few months back had to change jobs do to a certain situation, they wont work with on the due day they wont let me re take out the Loan or anything theyve done collateral damage on some iteams Ive had use as collateral they have outta town people stalking and harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

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

I did not authorize the six hard inquiries on my transunion credit report. The six hard inquiries are US Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I called XXXX today notifying them of these unauthorized hard inquiries and they flagged them and have me a complaint number as well XXXX. They than told me to file a complaint with the cfpb as now I am notifying you to investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX - XXXX, XXXXXXXX XXXX - XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. 
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. 
We have submitted paystubs again because they can not read what was sent. 
This time we have faxed again and submitted a hard copy priority mail. 
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. 
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. 
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. 
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. 
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. 
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help
Product: Credit reporting or other personal consumer reports

Initial complaint was filed on XX/XX/year> Complaint # XXXX All XXXX credit bureaus are still reporting an incorrect balance after submitting paper work from XXXX and hasn't updated the new balance. The credit bureaus are reporting XXXX times what I is owed when my total balance is only {$55000.00}. My next step is legal action as the investigation has been well over XXXX  days and has drastically impaired my credit profile.
Product: Bank account or service

Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo.
Product: Checking or savings account

My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.
Product: Credit card or prepaid card

In mid XX/XX/XXXX, I initiated a dispute with the credit card company regarding a {$1500.00} charge made by a vendor who misrepresented availability of a product which I paid for using my card. 

On XXXX XXXX, XXXX, I emailed the credit card company to ask the status of the dispute. On XXXX XXXX, XXXX, I received an email which stated the matter was still being investigated. That XXXX XXXX email from the company did not request anything further from me, i.e., documentation, etc. 

On XX/XX/XXXX, I received an email from a different representative that said the dispute was declined. I was told by phone that the reason the dispute was declined was because the company had sent me an email requesting more info from me that I did not respond to. I told them I have no record of receiving that email and the company has refused to provide a copy to me. I have asked for an appeal but was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents prove that Equifax is reporting incorrect status for the XXXX XXXX Bank credit card account during the month of XXXX ; multiple payments were made early/on time and any issues were addressed immediately. Attached documents prove that XXXX XXXX Bank did not go without receiving a payment for any period longer than 30 days at any point since the account 's opening. Attached documents prove that XXXX XXXX 's reporting to the bureau was incorrect, poorly investigated, and the result of technical errors within their system. Attached documents prove that XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX bank generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX BANK ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX BANK to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, WAKEFIELD & ASSOCIATES ( Date opened XX/XX/XXXX ) add a derogatory mark on my credit reports.WAKEFIELD & ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX involved me making deposits for a total amount of XXXX USD from my account to fraudulent investment firm.
Product: Checking or savings account

On XX/XX/XXXX we purchase furniture that we returned and the merchant put the money back into our card. Wells Fargo advised us to wait two business days. I did then we called after two business days and the CSR for Wells Fargo stated they see the refund on the back in it still processing to wait another 3 days so I Did after the third day I called the banker stated that for one reason the refund isnt going into my bank account. They were having a tech issue and that he will make the funds available and contacted supervisor. Same was told due to a tech issue the money is stuck and wont transfer to my acct. they made funds available due to me having to wait and their tech issue. Then on XX/XX/XXXX they reverse it. When I called the bankers gave the the runaround for 4 hours and then when I spoke to the claim manager they stated that the atm debit department closed 30 mins ago and she wont do anything my account it negative and I still havent got paid convinietly the dept is close on the weekends
Product: Credit card or prepaid card

I have a credit card with Bank of America. On XX/XX/XXXX, I was reviewing my account statement online. I noticed there were many unrecognized and pending charges from XXXX the account that have not posted. Many for the same date. I checked with my Spouse. She and I did not recognize the charges. We decided to review the account statement for XXXX, and there were charges that were not recognized there also. We printed the XXXX account purchases for both my wife and I, and reviewed and compared these charges line by line item to my BOA statement, dating back to XX/XX/XXXX. This is when we realized the extent of these unauthorized purchases. 

We notified Bank of America at this time. The card was cancelled and another card was reissued. I told the BOA representative at the time the charges we suspect as fraud. Someone with an XXXX account is using our Credit card Number for charges. These items were not delivered to my home address of record. 

Also note, we changed our billing address and mailing address effective on XX/XX/XXXX. I notified BOA of this in late XX/XX/XXXX. We moved to a new home. 

Additionally, I had already placed a fraud alert on my credit history, because I received some suspicious unsolicitied a government Debit card with my name on it. I did this on XX/XX/XXXX. At this time also I reviewed by credit file with XXXX of the XXXX major companies and did not find unusual activity on them. 

My spouse and I have a XXXX XXXX XXXX account. We are billed annually one time per year. We can see that charge on our BOA statement. However, we are also picking up a subscription for a prime membership that is being billed monthly. We do not recognize that as a charge of ours. I told this to XXXX, and they didn't care about this. 

The fraudulent charges amount to at least XXXX, not sure if that includes interest. BOA delected my secure messages they sent me because I read them, however I was not able to download 1 or 2 of them, or print. 

BOA notified me on XX/XX/XXXX, and they were " unable to approve your recent fraud claim '' The reasons they ( BOA ) provided do not substantiate my claim, or investigate the source of the problem that lies at XXXX. I contacted XXXX about this, but they could NOT be of help, citing " account Privacy '' I attached the response from BOA. Also attached our account statements from XXXX. They were able to provide a spreadsheet of our legit purchases and the source of the payment. The card in question is a visa card.
Product: Mortgage

I fell behind after being misinformed when applying for my loan. I was misadvised that I'd be able to apply for a refinance shortly after receiving the loan so that my payment could be lowered which was not the case. Due to this misinformation, I took on more than I could afford to pay and once I fell behind it became a struggle to bring the loan current. I was also unemployed in 2018 which caused a further strain on my finances so I have been struggling for years at this point. I am now in the process of applying for a short sale and I have submitted the application documents but I need PHH to allow me at least 60 days to meet all of the requirements. I have a willing and able buyer ready to make an offer on the property. Can someone please help me reach out to PHH for assistance? I want to settle the loan so that I don't have to deal with the ramifications of a foreclosure auction on my credit since I have been working for the past 3 years to rebuild my finances and creditworthiness. I am raising a family and if the house gets foreclosed on that would devastate my family. Please help!
Product: Credit reporting or other personal consumer reports

I called transunion to follow up about a dispute matter where inquiries were placed on my profile. I was told that i needed to send a FTC report in regards to fraud happening which they have received by they have refused to process my request and advised me that they will no complete.
Product: Credit card or prepaid card

XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.