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

I reordered a replacement debit card and I never received them. I reached out to Wells Fargo customer call center to inquire about it. The banker explained that if my debit card didnt arrive by mail its was possible that someone else may have access to my bank account, and I processed to reorder the replacement card. I instructed the banker that I would like to deactivate my XXXX XXXX until my physical card arrives. I was then instructed I needed to order my replacement card at my local bank in person. On XX/XX/year> I visited the Wells Fargo location in XXXX VA. I explained to the banker what I was instructed to do by customer service. I reorder my debit card and made a deposit to cover all my fees. The banker stated my account was caught up and she printed my receipt. I received confirmation via email my replacement card has been shipped on XX/XX/year>. On XX/XX/year> I received a email stating my bank account had been closed without reason. I attempted to access my bank account online but my login credentials were invalid. I contacted the bank via phone, I was told that my account will not be reopened due to my account being overdraft, and also that I cant access my online information even though the email I received stated I had 90 days to view my documents and statements. I reached out twice to get better understanding within the XXXX phone calls with the banker over the phone I was told my balance were XXXX different amounts within XXXX minutes apart. I went into the local branch the following day because I believed it was a mistake but the banker in XXXX VA ensured me their information was the same. It seems impossible to me but I paid the balance of XXXX out of fear it maybe reported on my credit even though I couldnt access my online banking information to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There is a note on my credit report that this " meets XXXX requirements ''. 

It has now been well over XXXX days since I initiated contact with XXXX, and over XXXX since I contacted Transunion. I do not believe that an investigation was done at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that XXXX is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Corporate
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I paid off my Lowes credit card balance to XXXX and the following month Lowes is charging me {$23.00} in fees and interest. My balance should be XXXX. How do I owe interest and fees on a XXXX balance? I have paid more in interest and fees in the past year than the amount I charged and borrowed which is XXXX. Now I am being charged fees and interest on a XXXX balance after I have paid my XXXX bill down to XXXX? These XXXX corporations are out of control.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. XXXX is reporting a charge-off for an account listed as " XXXX  XXXX '' with the account number XXXX. This reporting is not only incorrect but also violates the consumer protections outlined in the FCRA. 
Specifically, a charge-off can not be reported on a monthly basis after the initial charge-off event. The continued reporting of this charge-off as though it is recurring creates an inaccurate and misleading depiction of my creditworthiness. This is a clear violation of the FCRAs provision requiring accurate and complete information in consumer reports. 
Under 15 U.S.C. 1681e ( b ), XXXX is obligated to maintain and report accurate information. The continued reporting of this charge-off beyond the permissible bounds of accuracy constitutes non-compliance with federal law. I demand that this account and the associated charge-off entry be permanently removed from my credit report within four ( 4 ) days of your receipt of this letter.

Should you fail to act promptly, I reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate reporting. Consumers are entitled to statutory damages of up to {$1000.00} per violation, along with actual damages, court costs, and attorneys fees as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

This matter requires your immediate attention. Please confirm in writing that this account and its associated charge-off have been permanently removed from my credit report. You may send your response to the address listed above or via email at [ Your Email Address ]. 
Failure to comply with this request will leave me no choice but to escalate this matter through legal channels and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
Thank you for your prompt cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXXXXXX # XXXX ) that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXXXXXX XXXX  Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX  XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX  XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX  XXXX XXXX : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} , XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00}, XXXX XXXX XXXX  XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

The missed and late payments were removed and then appeared back. I talked to XXXX and they advised me that the creditor ( Motolease put it back on my report
Product: Checking or savings account

The fraud transaction was posted on XXXX for a total of {$5000.00}. 

I have contacted PNC bank to resolve this issue but the bank refused to refund my money. 

These transactions were fraudulent unknown transactions that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureaus on XX/XX/22 and XX/XX/22 letting them know these accounts are a violation of the FCRA and should be deleted. These accounts are not accurate as they are not reporting the same across all three bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASST XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my loan for my house in XXXX and still have not been able to register the deed because it is held in the name of the XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX. The loan was a note as contract for deed and the deed was bundled into a trust.The Deed is STILL locked in by XXXX XXXX XXXX XXXX formerly owned by XXXX XXXX XXXX, XXXX. When JP Chase assumed the assets from XXXX XXXX XXXX  in XXXX, they did not register the trust transfer with all the counties that recorded the trust as the deed owners for hundreds of homes, especially mine. While the CFPB did help me get the resultant deed in XXXX, I am unable to register it with the county because they said I do not have providence showing how the deed got transferred from XXXX XXXX XXXX   to JP Chase bank and then ultimately to XXXX XXXX. I need JP Chase to attest that they acquired the trust, XXXX XXXX XXXX XXXX, and that they sold that trust to XXXX XXXX. Without this transaction being properly recorded at the registrars office, I can not register the deed for my home. I presume that since it has been more than 30 years since I bought my home, that nearly all the homes held in this specific trust recorded in many counties across the country, have deeds being held hostage by the now defunct XXXX XXXX XXXX  as trustee owner. Additionally, the Bank never properly recorded the mortgage servicing information with XXXX County as they had agreed to do in XXXX. The last time the CFPB helped me, my request was to find the deed because no one knew who the current trustee of XXXX XXXX XXXX XXXX was BUT NOW I need help getting the JP Chase to properly record the trust transfers. At the very minimum, JP Chase could write a legal document stating when they acquired the XXXX XXXX XXXX XXXX and when they sold it to XXXX XXXX. This is what the XXXX County title examiner said I need to get the deed put into my name finally.
Product: Credit reporting

I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
Product: Debt collection

National Recovery, without my consent, has purchased a debt that has been written off by the initial creditor and has place this collection on my credit report, again without my consent. They are using this negative remark to extract money from me to remove it off my credit report. Which is against 15 USC 1692c. I ask that they provide a signed contract between them and myself showing I owe them any money at all. If theynare unable to do so, they must remove all negative remarks off my credit report within 14 days.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : 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 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 I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Navy Federal account has been paid in full and XXXX  is reporting it as a charge off. Also, XXXX  has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX bank card account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Product: Checking or savings account

Participated in their {$700.00} bonus offer, and did not get it. Deposit {$50000.00} for 60 days, get {$700.00} bonus. Scam offer, closing my account immediately. 

Update : My friends referral {$100.00} bonus never materialized too. Straight out scam. 

Update2 : XX/XX/2020 Filed a complaint in person XX/XX/2020. No communication from Citibank, so I called in on XX/XX/2020 to file it at headquarters. Head Citibank Supervisor " XXXX '' said I will receive {$700.00} in XX/XX/2020. Date came and went, no money. 

Term is " within 90 days '', not " in 90 days ". So money is owed to me. 

Reporting it to the XXXX XXXX XXXX ( XXXX  ), and Customer Financail Protection Bureau ( CFPB ).!!
Product: Credit card

Synchrony Bank has initiated a {$1.00} fee to send out a hard copy bill ... It affects XXXX of my credit cards... it can be waived if you sign up paperless billing, which i have trouble keeping up with, so I'll not pay a XXXX paper bill fee but they can charge a greater amount in late fees... 
They are gouging card users because they can't count exorbitant late fees... 
This isn't right... the card users should notbe required to make up a diminished revenue stream... XXXX has created a monopoly in the credit card business because they now control credit cards for over XXXX individual firms & seemingly think they can do what they want.. 
Thanks...
Product: Credit card

I followed the bank 's instructions and updated my profile on XX/XX/XXXX ( please see the attachment ). I made the money transfer after updating my profile, as the system wouldn't allow the transfer without completing the profile update. The success of the transfer serves as proof that the profile update was completed. 

All their communication emails went to my spam folder, and they never sent any physical letters.
Product: Money transfer, virtual currency, or money service

Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX