23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by Navy Federal Credit Union. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact Navy Federal Credit Union to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to NFCU the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.
Product: Checking or savings account

On XX/XX/2021 I deposited {$250000.00} into my account. Only {$250.00} has been credited. 
I called Bank of America 3x and was told 2x it would be fixed, the 3rd time I called my branch and the assistant manager said there was nothing she could do. I went to the branch physically and was told to call the number ( which I had done 2x ) and there was nothing else they could do. So I am out of options. They have the {$250000.00} but insist on keeping it without crediting it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX - Listed as closed account with balance of {$11000.00} XXXX : XXXX XXXX not listed on this credit report XXXX : XXXX XXXX - listed as closed account with balance of {$11000.00} I have called the company multiple times to ask them to reflect update their reporting to reflect accurate and up to date information. The account has been open since XXXX and has never been charged off/ written off as bad debit ( as listed on my credit report ) as I am still making monthly payments. This inaccurate information is causing negative impact on credit report. The current balance as reflective on my billing statement is $ XXXX.
Product: Money transfer, virtual currency, or money service

Cash app took money out of my account and Ive never got it back they havent emailed or did anything in reference to this and its very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending in XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan from Blue Trust Loans, a " tribal company '' with a rate of 561.96 % interest rate, on {$2000.00}. We have currently paid back {$2400.00}. however, due to the interest rate, we will have paid {$8000.00} and have it paid through XX/XX/2019. Due to the already hardship, we are in the process of losing our home, to have to pay almost {$1000.00} a month. We have paid back what we have owed with an additional {$470.00}. This loan is stripping us of our home. Please help
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. By the provisions of the FCRA section 605b, I am requesting to delete the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wouldnt work with me due to me being out on XXXX  XXXX  from work after XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint more than XXXX  days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/2024. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from XXXX XXXX XXXX is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
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. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 an 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 the information is inaccurate.
Product: Vehicle loan or lease

I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment. 
Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX. 
Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done. 
I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue. 
I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.
Product: Credit reporting or other personal consumer reports

I called this company back in XXXX They have no knowledge of how they obtain my information and it was too long ago for them to trace how they got it.
Product: Checking or savings account

I went to a Wells Fargo branch to open a checking account last XXXX. When I tried to open the digital account online, I typed in my birthday and social security number, but their website showed that my identity could not be verified. I called the bank, found out that someone with a similar-spelling name used my social security number, and opened an account. The ridiculous part is that the person has a totally different birthday, address, and all the other personal information, but he/she was able to open a banking account with Wells Fargo XXXX I called the bank several times and went to their branches several times, and finally, the bank said they deleted that fraud account and corrected my information. However, when I tried to open an online account on their website, I still got that " can not verify your identity '' error. I had to call them again and again, and they just transferred me again and again without solving the problem. Every time, their response is, " We are investigating it. We will keep you updated. '' " I already helped you file a complaint. You will receive a follow-up in several days. " ... Then nothing happened. No follow-ups, no emails, nothing. I recall they followed up with me only one time earlier this year. At that time, their response was, " We are investigating it. '' They called me once in a while and confirmed they were " investigating it. '' I thought they finally took it seriously. After two months, they called in and asked me to " buy our security package to stop identity theft. '' ... Believe me, I didn't even know if I should cry or laugh at that moment. The whole thing was just too ridiculous, and my two months of waiting made me feel like a clown. 
By the way, yesterday I received a letter from Wells Fargo with the content of their credit card promotion. They still use the fraud person 's name instead of my name as the recipient. I am starting to doubt if they really corrected my information in their database.
Product: Mortgage

I sent in a mortgage assistance package to my servicer, Nationstar. Nationstar did not issue a written decision on this package. Nationstar requested documents after they received my package and I transmitted the requested documents numerous times. Many times Nationstar would deny receipt even after I sent it multiple times. I have sent another completed mortgage assistance package and Nationstar 's response is to set a foreclosure sale for XXXX/XXXX/2015
Product: Credit reporting

Experian just informed me that XXXX XXXX XXXX remains on my account. Can you explain how it remains when they told me that the account was closed in 2014 with an unknown name, my wife 's maiden name, and an address in XXXX Virginia when I have lived in XXXX Virginia my whole life, just check the XXXX records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX/XXXX  {$960.00} FRAUD REMOVE XXXX XXXX {$1000.00} FRAUD REMOVE
Product: Money transfer, virtual currency, or money service

I signed up for an account with Blockchain.com on XX/XX/21. Once I signed up for my account I started trading cryptocurrency. I received a payment in XXXX  from my father that was suppose to cover my rent for the following month. This amounted to about {$900.00}. After I started trading I was told I needed to verify my account again. I sent in all the required documents and was told my account should be verified within XXXX hours. Then I was told my account is under manual review which could take up to 5 days. In this time I am locked out of my account. I am not allowed access to my own money which I need desperately. I contact support almost every day offering to send more documents, asking when the issue will be settled and I am always just told to wait longer. At this point it has been almost 2 weeks and money is being held hostage. The website states that the verification process can take up to 5 days. It has been much longer than this and Ive read online people stuck in this process for months. Im afraid this website may be a scam and Ive been defrauded. To this day, when I try to do anything on my account I receive a message telling me my account is not yet verified and to refresh in 5 minutes. Any assistance would be greatly appreciated.
Product: Mortgage

I called my Mortgage company for a forebears during corv19 panoramic because financial i was affected. So they put me on a forebears plan and someone from my Mortgage called me XX/XX/2021 and stated it was coming to a end at the end of XXXX. I was told i was going to have 3 options 1. Modify my loan 2. Deferment 3. Refinance my loan. I stated i wanted to pay extra towards my loan to catch it up. So he said i had until yhe end of the month to decide. At the end of the month no one called so i called and was told that i can get 3 extra months so me trusting my Mortgage company because i know they are only trying to help me i thought. So it was getting close to the 3 months i called in XXXX and some one said that the extra 3vmonths didn't go through and i said no one called me. So he said well im going to re-send it through. So i had so much going on i didn't follow up big mistake now i know i received a letter talking aboit foreclosure so i call my mortgage and they said oh i will fix this you have another 3 months they say when something sounds to go to be true most likely it's not. But i through they are for me why would they lie. So i know the payment was coming up so i had no missed calls from them so i called and was told im in foreclosure wow now i cant breathe so i say what about me paying more towards my loan i was told i didn't qualify for that anymore. My forebears end at the end of XXXX and I said no one tried to call me and she said they have notes that try tried but the number wasn't working and i didnt have any more on file and i said thats not true because someone called me in XXXX ON THE SAME NUMBER so now. So now i spoke with so one that said they are going to put in for a Modify my loan but its impossible to get approved. So this is so horrible i cant even trust the people who surpose to be there to help me and she stated that there are other people thats going thru the same thing. She told me to write a statement so thats what im doing because me and others don't deserve this first they play like they for us and next we about to be homeless please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian show debt reported incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get information corrected via their dispute process Equifax failed to properly address multiple inaccuracies on behalf of XXXX XXXX in regards my credit file. 

As of XX/XX/2019 after receiving notice and letter in response to a complaint previously filed with CFPB and being provided a copy of the response to delete the tradeline from XXXX. Equifax has updated the report by leaving this tradeline on my credit file They recieved this information from both XXXX during their investigation and from me at the start of the investigation
Product: Checking or savings account

I am writing to formally file a complaint against Wells Fargo regarding unfair monthly service charges on my checking account and the banks failure to adequately notify me of these fees, despite my other accounts maintaining sufficient balances to waive them. 

For eight months, I was charged a $ XXXX monthly service fee on one of my checking accounts due to the balance occasionally falling below {$500.00}. While I understand the terms of the account require a minimum balance, Wells Fargo failed to provide proactive, direct notificationbeyond the standard monthly statementthat these fees were being assessed. Given that my other Wells Fargo accounts consistently held balances well above {$500.00}, I could have easily rectified the issue had the bank alerted me via email, text, or another prominent method. 

When I raised this issue with Wells Fargo, the bank refunded only {$20.00} out of {$80.00} in fees, which I find unacceptable. This partial refund does not address the core problem : Wells Fargos lack of transparency and failure to implement reasonable measures to inform customers of avoidable charges. Monthly statements buried in a digital inbox are insufficient, especially when the bank has multiple channels ( e.g., real-time alerts, push notifications ) to communicate such critical information. 

I believe Wells Fargos practice is deceptive and unfairly disadvantages customers. The bank has a responsibility to ensure customers are clearly and promptly informed of fees, particularly when those fees could be easily avoided with minor account adjustments. By withholding clear notifications, Wells Fargo appears to prioritize revenue over customer fairness.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>/25 we saw a XXXX post of a friend that was listing items for sale to assist a XXXX XXXX with expenses to stay in a facility. We had sent money to them to hold the car we were hoping to buy. We lawyer discovered the profile had been hacked after the money was already sent to them.
Product: Credit reporting or other personal consumer reports

This was another submission of complaint I am puttung forward, as recently I just received my updated credit report and found that the three remaining negative accounts were still present in my XXXX and Equifax Credit Reports, and I am once more asking the mentioned credit bureaus to please REMOVE THESE ACCOUNTS I LISTED IN THIS COMPLAINT : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XX/XX/XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which qualifies as XXXX  under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Saturday, XX/XX/year>, at XXXXXXXX XXXX, a debt collector from Comenity Capital Bank left a voicemail on my mothers phone regarding my XXXX Credit Card account. The caller, identified as XXXX, used my former legal name, XXXX XXXX XXXX XXXX, and mentioned the following : This message is for XXXX XXXX XXXX XXXX. Were contacting you from Comenity Capital Bank in regards to XXXX. My name is XXXX, to prevent further actions, contact me at XXXX. This message is for XXXX XXXX XXXX XXXX. My name is XXXX from Comenity Capital Bank and XXXX. My number is XXXX. Were contacting you from Comenity Capital Bank regarding XXXX. XXXX be available until XXXX XXXX XXXX XXXX XXXX. 

I believe this message constitutes an improper disclosure of financial information to a third party, which violates the Fair Debt Collection Practices Act ( FDCPA ). I have not authorized any debt collector to contact my family members, and this action is both inappropriate and a violation of my rights. Additionally, the collector is using outdated information, as my legal name has been changed to XXXX XXXX. 

I request an investigation into this matter to ensure that my rights are protected and that such practices are stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See Attached Docs Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after numerous written requests is also evidence of your willful disregard of Federal Law.