23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX/XX/XX/XXXX, I refinanced my Wells Fargo mortgage to a fixed rate of 4.125 % that matures in XX/XX/XXXX and has no prepayment penalties. Since, XX/XX/XXXX this newest misapplication of my mortgage payments issue has existed. The bank has attempted to falsely foreclose on my home. By Wells Fargo falsely CLAIMING : ( 1 ) past due mortgage payments up to 2-5 months ; ( 2 ) demanding the refinancing of my 15-year mortgage to one of their 20, 30, or 40 year to pay for two months ; ( 3 ) two years of past due and late mortgage payments to the credit bureaus ( e.g. XX/XX/XXXX reported serious delinquency of 11 months ) ; ( 4 ) loan falsely placed into the foreclosure department ; ( 5 ) often forced to make 2-3 months of payments within 30-days to avoid immediate foreclosure ; ( 6 ) advance annual early escrow prepayments or buydowns of upwards of {$2000.00} ( above mortgage payments ) ignored ; ( 7 ) mortgage payments often misplaced into principal, escrow, etc. ; ( 8 ) numerous late payments created by reversing, hiding, or splitting my advance mortgage payments ; XXXX 9 XXXX their information correct despite two-years of communications ( e.g. letters, cancel checks, phone calls, faxes ) ; ( 10 ) refusal to mail me monthly mortgage statements ; ( 11 ) consistently wrong balances due shown on mortgage statements, bank letters ( because statements not mailed ), or sending multiple monthly statements in a month ; ( 12 ) that my account was being handled by the bank president 's department ( but unsuccessful ) ; and more! On XX/XX/XXXX, I received their ( XX/XX/XXXX ) letter that read : " Wells Fargo Home Mortgage is pleased that you were able to successfully overcome the challenges you faced when your mortgage loan was previously in a default status. '' Two check payments on XX/XX/XXXX ( # XXXX ) and on XX/XX/XXXX ( # XXXX ) each for {$1200.00}. Regardless, the XX/XX/XXXX bank statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The first XX/XX/XXXX statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The second mortgage statement, dated XX/XX/XXXX ( with {$280.00} in unpaid fees ), plus an extra {$41.00} in late fees. These two-years of injustices will marks its three-year anniversary in just couple months. Yet, it is still not settled. I have extensive documentation to support this situation.
Product: Credit reporting or other personal consumer reports

The accuracy of the information has been questioned after a number of errors in the credit report were found while reviewing the specifics. 

This letter serves as a good faith request for your team 's diligent attention and scrutiny of these errors despite concerns about the system 's dependability. 

We would greatly appreciate your quick attention to these inconsistencies. These errors are seen as a flaw in a credit history that has otherwise been meticulously and carefully maintained. 

Moreover, take into account any potential repercussions from such mistakes. If errors have been found in this credit report, it's conceivable that other customers may be dealing with the same issues. The integrity of the entire system might be in doubt ; it's not just about one person.

I bring this to your attention because it is crucial to correct these errors. These errors carry a sizable reputational risk, so it is important to take urgent action. 

We sincerely appreciate your patience and quick response.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied to and was approved for the Menard 's XXXX card which is serviced by Capital One. Over the next few weeks I made a number of purchases bringing the card to near its limit. On XX/XX/XXXX I paid the card off in full before the due-date. The payment was made within the Capital One app from my Capital One checking account to my Menard 's account which again is serviced by Capital One. The payment left my checking account and was immediately applied to my Menard 's card. My balance has been XXXX since that instant transaction. However, my available credit remains what it was prior the payment. It has been this way for an entire week. When I called customer service I was told that Capital One " holds '' payments for 7-9 days to make sure they clear. Perhaps this makes sense when paying the card from some other financial institution but this was an in-house transaction. In-house transactions should not be subject to these ridiculous and arbitrary holds.
Product: Credit reporting

I have notified Equifax that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Equifax have not removed these accounts and inquiries within the last 16 months from my credit file. The Release Tax Lien is not mine because I never had a Tax Lien
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The details of the fraudulent accounts are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$630.00}
Product: Debt collection

submitted several investigations for bureau to verify debt. Bureau continues to state information has been certified. After several request to provide proof I have not received anything verifying this debt
Product: Credit reporting or other personal consumer reports

I attempted a purchase from XXXX using XXXX. XXXX canceled the order beyond my control. XXXX has never refunded me my down payment nor have they canceled the non existent loan. Not will they provide and communication or response to my continued inquiries. Experian has been provided all of this information plus additional evidence numerous times but refuse to look into the matter, refuse to make any communication to me, and refuse to remove the bogus accounts from my credit report. This is a serious ongoing issue of non compliance and customer abuse.
Product: Credit reporting

Transunion lists a collection account on my credit report from XXXX for XXXX XXXX. This account was paid in full before ever being sent to collection. I have all of the documentation, and yet when I filed a dispute with Transunion, they responded less than two weeks later stating that the collection account and balance due is accurate. They did not ask for any documentation.
Product: Debt collection

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XXXX XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Product: Credit reporting or other personal consumer reports

I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX  XXXX XXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report.

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Debt collection

Hello There's a debt collection company, " Account Resolution Services '' The collection agency is violating State Licensing Requirements ( FLA. ) They have also reported a debt on my record that does not belong to me.
Product: Debt collection

I owed XXXX XXXX XXXX $ but I paid this debt directly to XXXX XXXX at their store but the collection company is still trying to collect this debt. Its hurting my XXXX XXXX and i need to take it off immediately.
Product: Debt collection

I have told company several times that there service did not work in my area. I was willing to return devices and terminate service as phones did not work properly in my area. Phones were returned.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXXXXXX - Balance : {$470.00} - Account # : XXXX XXXXXXXX XXXX - Balance : {$210.00} - Account # : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$470.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$21000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$9100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

XXXX XXXX XXXX ( customer ) Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for complaint On XXXX, Office of the Comptroller of the Currency, wrote XXXX XXXX a letter stating that the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction and authority to resolve my complaints. 

Both banks actions were violated banking statutes, regulations and policies. 

Both banks committed grand theft, financial abuse of an elderly and disabled persons funds and life savings required for my basic needs and medical care. 

Wells Fargo Bank stole {$720000.00} from the checking account of XXXX XXXX. 

XXXX XXXX XXXXXXXX stole {$5500.00} from the checking account of XXXX XXXX. 

Wells Fargo Bank admits in a letter on XXXX, that my {$110000.00} was not wired. Wells Fargo claims my {$110000.00} was not deducted from my account. This is a lie. The XXXX wire transfer document shows the {$110000.00} was deducted from my account. 

I declare, my {$110000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo Bank stole my {$110000.00}. I have written proof. This is grand theft and financial abuse of an elderly and disabled persons funds required for my basic needs and medical care. 

I state the remainder of {$610000.00} was never wire transferred to anybody. Wells Fargo Bank stole my {$610000.00}. Wells Fargo Bank stole a total amount of {$720000.00} from my checking account. 

I declare, the remainder of {$610000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo committed grand theft. False and fabricated wire transfer documents were used to steal my {$720000.00}. This was my entire life savings used to pay for my basic needs and medical treatments. 

My and my familys pain and suffering is severe from Wells Fargo Bank and XXXX XXXX XXXXXXXX criminal behavior. 

I request that the CFPB order Wells Fargo Bank to refund me {$720000.00} plus lost 5 % interest from XXXX to present, IMMEDIATELY. 

I request that the CFPB order XXXX XXXX XXXXXXXX to refund me {$5500.00} plus 5 % interest from XXXX to present, IMMEDIATELY. 

Respectfully submitted. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company is violating my rights protected by the FCRA.
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 one has cited technical issues, which may violate the 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 rights are upheld. Thank you.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Against XXXX XXXX for Fraudulent Financial Practices To Whom It May Concern, I am writing to formally dispute the financial practices of XXXX XXXX XXXX which resulted in significant financial losses and undue hardship for me. My name is XXXX XXXX, and I was a student at XXXX XXXX for XXXX years before I was forced to transfer due to their fraudulent activities. 

During my time at XXXX, I was misled about the cost, accreditation, and financial aid process. The school improperly charged me for courses and services that were not adequately provided, resulting in financial aid disbursements that did not align with my actual tuition and educational needs. They mismanaged my financial aid, and I believe they intentionally withheld or misallocated funds, ultimately forcing me to transfer institutions to continue my education. 

I have attempted to resolve this issue directly with XXXX XXXX, but my efforts have been ignored or dismissed. I am seeking the CFPBs assistance in investigating this matter, ensuring that XXXX is held accountable for their deceptive practices, and recovering the funds that were wrongly taken from me. 

Please let me know if you require any additional information to proceed with this dispute. I appreciate your time and assistance in this urgent matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help
Product: Money transfer, virtual currency, or money service

The scammer asked me to wire transfer the amount of {$8000.00} to a certain XXXX XXXX XXXX in her account on XXXX XXXX XXXX bank account through Bank of America last XXXX XXXX as part of their modus in their Bitcoin scam. The Bank of America did not warn me that it might be a scam and may never get my money back if it is. I complained this to Bank of America, and after a few months of investigation, i received an email and a very little amount or reimbursement of less than {$10.00} from the amount of {$8000.00} that was taken from me. They said thats the only amount that they have recovered and nothing else is coming. I sent them a rebuttal letter but nothing happened from it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of Experian to comply with the recent federal ruling prohibiting the inclusion of medical debt on consumer credit reports. Despite submitting a formal dispute on XX/XX/year> to have a medical  debt removed, Experian failed to remove the debt from my credit report, in clear violation of the new law. 

Relevant Details : Account Name : XXXX XXXX Original Debt Creditor Name : XXXX  XXXX XXXX Disputed Amount : {$1700.00} The ruling, effective XX/XX/year>, prohibits credit reporting agencies from listing medical debt on consumer credit reports, ensuring such debt no longer negatively impacts credit scores. My formal dispute highlighted this regulation and requested the removal of the medical debt in compliance with the law. 

Despite providing sufficient documentation and citing this legal precedent, Experian has failed to take corrective action. I have not received a satisfactory resolution or any justification for retaining this debt on my credit report. 

Desired Resolution : I request that the CFPB take immediate action to ensure Experian complies with federal regulations by : 1. Removing the medical debt from my credit report.

2. Confirming the correction with me directly.

3. Providing guidance on additional steps if the credit bureau ( s ) continue to violate federal law. 

Thank you for your attention to this matter. I am attaching a screenshot of my dispute and the credit bureaus response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the Credit Agencies Transunion, XXXX and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with XXXX, Transunion or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.
Product: Debt collection

XX/XX/2018, I underwent a XXXX XXXX XXXX, that is covered under emergency benefits with my insurance. When the surgeon from XXXX XXXX, XXXX. sent the claim to the insurance company, they denied it because the XXXX  was out of network, even though I am covered in XXXX XXXX XXXX cases, regardless of the network the services is acquired. 

We appealed this with the insurance company and were denied multiple times. 

The surgeon from XXXX XXXX, XXXX. sent my name to collections for the remaining balance of $ XXXX when in fact, its the insurance company, XXXX XXXX, that is delinquent. 

Now NCSPlus Incorporated has put a huge $ XXXX debt on my name and has ruined my credit. Over a medical issue that was completely covered. 

My issue here is that NCSPlus Incorporated should be sending their collections notices to XXXX XXXX since its their debt to be paid, not mine. This huge mark on my credit hurts my life and livelihood. Im now stuck in a hole that I should never have been in to begin with because I was 100 % covered at the time of the XXXX XXXX XXXX performed in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am not getting copies of the verification report per the FCRA. This is another violation