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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I have XXXX  over draft fees during the time of covid when we was not supposed to be charged the over draft fees.the results of there mistake was my account was closed and sent for collection and I had several bad checks as u should say.but when they closed my account I tried to get the XXXX XXXX of dollars off for the overdrafts and they refused.this was during XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SELENE FINANCIAL LP ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, SYNCB/AMAZON PLCC made an unauthorized " hard inquiry '' from all 3 major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Product: Checking or savings account

Penfed closed my account and kept my funds without informing me. 
I called and wasted many hours on the phone with them but they could not provide any information on when they closed the account and what they did with the money. 
When they couldnt find any information, they simple lied to me saying that they " should have '' sent it to XXXX XXXX XXXX. I have been checking with the XXXX XXXX XXXX XXXX site for these funds and there is nothing there. 
They also said that they " should have '' sent me a letter regarding this when they had no proof or documentation or even the date for when this imaginary letter was sent.
Product: Checking or savings account

Money transactions do not go through when it should. Will not let other apps help with deposits
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX XXXX and noticed there were hard inquiries that don't have permissible propose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681 B. I have also attached the inquiries that don't have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

This company is committing fraud and I am a victim of their scheme of targeting consumers with hopes of receiving monetary gain. I have expressed to this company multiple times that this debt does not belong to me and also requested debt validation from them. They failed to provide me with all of the requested information and continue to report an account that is not mines to the credit bureaus every month of sums totaling over XXXX I requested the following : 1. Proof of alleged debtor Identification 2. Proof of alleged debtor Social Security Number 3. Agreement that states your authority to collect on this alleged debt. 
4. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.

5. Alleged account number.

6. Date this alleged debt became payable.

7. Original delinquency date. 8. Verification that this debt was assigned or sold to collector.

9. Complete accounting of alleged debt.

10. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.

They are not licensed in the state of Texas to even be doing this.
Product: Payday loan, title loan, or personal loan

Well fargo customer service keeps calling my work several times harassing me to pay my personal loans of amount of {$8500.00} on XX/XX/XXXXPlease tell them to stop calling my work and exposing my issues to my company. XX/XX/2018. If I'm not there whoever answered the call from work, Well fargo will reveal the reason of the call. That's very embarrassing and also is affecting my work. I'm working with XXXX XXXX XXXX for negotiation. I have informed them to call them instead of me.
Product: Mortgage

This complaint is for a knowingly false statement made by XXXX XXXX - Customer Relations Specialist for RightPath Servicing. 
XXXX XXXX falsely represented the insurance coverage, or lack of, as described in the borrower provided master policy proof of insurance. RightPath Servicing has initiated foreclosure based on this false claim. I have provided a side by side comparison of the HOA master policy insurance coverage provided by the borrower and a copy of the HO6 insurance, LPI, purchased by the lender/servicer. As you can see, the HOA master policy exceeds the coverage purchased by the servicer in the form of an HO6 policy.
Product: Money transfer, virtual currency, or money service

This is for the XXXX XXXX XXXX XXXX  using the way2go card which seems to managed for a company called Conduent. I am not longer able to transfer funds from my way to go account to my credit union. I have sent all the required documentation and you can not get a straight answer on why transfers are still being blocked. They just keep asking to send the same documents over and over again. I have sent them at least XXXX times. No matter how much to escalate the issue there is no one who can help you! Each phone call for help is at least XXXX hours long. I have spent countless hours trying to get help. They refuse to solve the problem. They will not call you back. I have been working on this for over 60 days! Please help!
Product: Checking or savings account

On XX/XX/2024, a Wells Fargo banker asked me to deposit {$10000.00} new cash into my savings account to get promotional interest rates of XXXX XXXX. I did it on XX/XX/XXXX by depositing {$10000.00} into my savings account with the promotional code the banker entered on my savings account. XXXX month later I found out that I did not get paid the interest of rates of XXXX XXXX which Wells Fargo promised for the month of XXXX, Wells Fargo owes me the interest they should have paid, I went to the Wells Fargo XXXX XXXX XXXX to try to resolve the issue, and the banker opened a total of XXXX issues of complaint for me, however, XXXX month has passed, and Wells Fargo still hasn't paid me back the money they owe me. 
Wells Fargo own me about {$1000.00} for XXXX month of interest, which is XXXX XXXX for my saving balance of {$290000.00} My Wells Fargo complaint XXXX XXXX XXXXXXXX My Wells Fargo XXXX XXXX XXXX
Product: Checking or savings account

Valley National Bank has suspended all fund transfers from my checking account because they could not verify my ownership of XXXX external account I had connected to my account. This is despite the fact that they had sent XXXX trial deposits to the external account and I had verified the amounts. 
There are multiple issues here : ( XXXX ) What is the purpose of trial deposits in the first place if you do not intend to use it for account/ownership verification? 

( XXXX ) Knowing that the trial deposits and any future transfer would not go through if my information ( like account holder name ) is not matching on your end and the destination bank 's end, why do you ask for additional information like bank statements for additional verification? 

( XXXX ) Assuming that you can not verify XXXX of my external accounts, what would give you the grounds to suspend all transfer features ( with ACH, XXXX, ... etc ), even for those external accounts and transfer mechanisms that you have already verified? 

If you can not verify XXXX of my external accounts, fine, do not transfer anything to/from that account. You can not hold my money XXXX forever because of that XXXX account. I need you to remove the transfer suspension from my account so I can transfer to/from other external accounts that you already verified.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification is enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Mortgage

I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.
Product: Debt collection

This is a complaint against BestBuy/CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On several occasions my Zelle was compromised and the money sent to the wrong individuals never came back to me I have a long list of transactions from my tenants
Product: Debt collection

XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX  XXXX/XXXX  XXXX, XXXX  from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except Equifax, where my credit score had dropped. I have contacted Equifax over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX  XXXX. On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX accounts from my report. 


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

I had noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb XXXX credit card/XXXX did a hard inquiry on my credit report When I did not ever applied for it.
Product: Debt collection

I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three federal loans with XXXX. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.
Product: Credit card

I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX I reached out to Experian and XXXX on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been trying to resolve the matter of two accounts that Equifax has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXX Acct # XXXX  XXXX and XXXX Acct # XXXX  XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past two years they have violated my consumer rights by 1. defamation of my character, 2. Have caused me to experience a high interest rate when I obtained my mortgage causing me pain and suffering. 3. They have also caused me to suffer from XXXX XXXX due to the repeated attempts in trying to rectify this matter.
Product: Checking or savings account

I am closing my account with Wells Fargo remotely from the XXXX as I am no longer in the XXXX. 
To do this I filled in their Account Closure form which was notorised and apostilled and tracked mailed to XXXX which they received XX/XX/XXXX. 
Having heard nothing I phoned on XX/XX/XXXX XXXX minutes, XX/XX/XXXX minutes, XX/XX/XXXX again XXXX, XX/XX/XXXX mins, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. 
All these calls I was put on hold and sometimes I got a customer services receptionist who said it I had to get through to the Exception Payments department. I spoke to them twice and they said they were very busy but the last call was the one where I was told that as I hadnt given the IBAN or SWIFT XXXX that was what was causing the hold up. No one asked for that in any calls prior. 
They got the information on that call ( XX/XX/XXXX ) and said that as they were very busy it would take another 2 weeks or so when they would call me in accordance with XXXX regulations. 
Having heard nothing since, I appeal for your assistance.