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

Wells Fargo Estate division since XX/XX/2023 when our XXXX XXXX  has not released XXXX funds despite numerous attempts on my part. This last time I was informed my paperwork had been 'deactivated ' in error and they would work to re activate it. When asked why the paperwork which I had been informed was correct was deactivated no one seemed to know why, I have spoken to numerous employees, I have called and emailed numerous times. Keep getting different answers. This is a simple TOD from my mothers account to my Wells Fargo Account, which they have placed numerous road blocks to prevent the timely transfer of these funds. They have sent emails meant for me to my sister whose name and email are nothing like mine. When asked why no one seems to know. 
This has been very frustrating and time consuming and does not seem to be any progress after these months of waiting and jumping thru their hoops. 
I have no idea what game they are playing but I've had enough. 
I have case numbers and confirmation numbers and a thick file of dates/calls and emails, and other correspondence but what I don't ' have is the money my mother left me. 
Please help me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a XXXX  XXXX XXXX credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!
Product: Student loan

Student loans from Salle Mae to Navient XXXX XXXX. I have ask for multiple payment options and was put in forbearance. All calls are recorded the data is there to provide proof to my statement. My loans went from XXXX to now XXXX in interest
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX 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

I have written Equifax and XXXX and XXXX regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.
Product: Checking or savings account

At or around XXXX XXXX on XX/XX/year>, I deposited {$1700.00} of cash at a Huntington Bank ATM in XXXX, IL. The ATM was located inside of a XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I inserted my debit card into the ATM and entered my pin number. I followed the instructions on the screen and clicked my checking account.. The ATM gave me an option to deposit check ( s ) or cash, I chose cash. I counted the money, it was {$1700.00}. The drawer opened and I placed the cash in the drawer. The ATM did not give me a receipt. I opened the Huntington Bank App and saw that the amount did not get deposited into my account. I called over the store manager and told her that my deposit did not go through. She told me that she could not do anything, and suggested I call the bank directly. I called the bank and told them what happened and disputed the transaction. I then called my local bank branch and he told me that he saw on my account that I made a dispute. He reassured me that all will be resolved in about a week and that the bank can track down the money that was deposited. I then wanted to make sure that the money was not stuck inside the ATM drawer, so I initiated another deposit of {$20.00}. When the drawer opened I saw that the {$1700.00} was not in there, so the ATM must have processed the cash into its reserve. I have since then disputed this transaction with Huntington Bank at least three times. Each time the bank gives me a temporary deposit of the money until their " investigation '' is complete. I have spoken with customer service, the manager of my local branch, and the investigation department and each of them has kicked the can down the line and falsely promised me that they will investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.
Product: Credit reporting

I submitted a demand letter to Experian on XXXX/XXXX/2016 along with proof from XXXX XXXX stating that there should be no late payments reporting. I receive a response from Experian dated XXXX/XXXX/2016 report number XXXX stating that they have previously processed the dispute. This is ridiculous! My scores are being affected negatively and I am getting no accurate response from the bureau. There should be NO LATE PAYMENTS reporting on my XXXX XXXX XXXX account. Correct this error immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on Equifax. The Equifax credit reporting has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The XXXX loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the XXXX  months from XX/XX/XXXX to XX/XX/XXXX that there were XXXX payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those XXXX  months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all inquiries on my report I did not authorize or have knowledge of. 
Under 15 US Code 1681b you need permission to report on my CONSUMER report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital ones has cited technical issues, which may violate electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my right are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banks are using sagestream credit agency to run credit reports, a lot of info is all wrong and many people are claiming low credit scores, sagestream score for me is XXXX, thats about 180 points lower. Whats strange is, I have a security freeze on ALL 3 credit agencies, and the only one to come up with a score and credit history is sagestream.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report.

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 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.

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians and XXXX XXXX inactions violate federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$59000.00}, XXXX XXXX XXXX XXXX {$16000.00}, XXXX  Balance {$34000.00}, XXXX XXXX  Balance {$310000.00}, XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX  XXXX Balance {$850.00}, XXXX XXXX XXXX XXXX {$57.00}, XXXX XXXX Balance {$2000.00}, XXXX XXXX {$2000.00}, XXXX XXXX  balance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Somebody used my ollocard on XX/XX/XXXX {$52.00}, XX/XX/XXXX {$96.00}, XXXX {$130.00} from XXXX these were fraud So I called 4 times to ollo card security Dept. 
But ollo cleared only {$52.00} and they did not cleared 2nd, 3rd and reported to 3 credit co And ollo sending me the statment with late fee charging fee -- -- So I called many times but. 
They did not do there job clearly
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reported the following transactions to Venmo as fraud : XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$150.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1000.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1300.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1000.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$300.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$320.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 

For VENMO to come back and say that these transactions were " not unauthorized '' is completely wrong. During these dates I was serving my country on a XXXX in the XXXX XXXX XXXX XXXX with no access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a submarine during these dates. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. And the person who did this sent this money to her two daughters - XXXX and XXXX XXXX. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  has recognized that I was defrauded and they had the XXXX entry deleted from my credit profile.
Product: Bank account or service

My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.
Product: Debt collection

I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.
Product: Student loan

It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.
Product: Checking or savings account

We are been trying to roll over my IRA from Sofi for last 6 months. They made submit the rollover form twice and also has asked for additional Letter of Acceptance. Now, Sofi is asking to repeat the same process, which was already completed twice before. It just seems Sofi is intentional delaying or deferring to roll over my IRA funds out to another organization we requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment
Product: Debt collection

I have dispute this remark that is listed on my personal credit file with nothing being received. I have had a lot of fraud happen to me. Isn't a company by law have to verify and validate before placing it on my credit file. This is unknown and not one single dispute has anyone even responded to. Please help
Product: Vehicle loan or lease

It was off my credit for 5yrs. Now it's back on my credit report