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

I was banking with Wells Fargo and the company close my account because I use a XXXX XXXX as my address they allow me to move the XXXX XXXX XXXX address then I transfer them money and the took the money hostage without letting me access it for months i went in the bank and refuse to leave until they give me my money they call the police. 
They finally said they will give me cashiers check however they charge me a XXXX dollar fee and want all my information and want me to sign all paper saying they arnt resposible for anything Wells Fargo also kept saying I had less money in the account and they lost one of the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt or credit management

I obtained help from XXXX XXXX and was charged fees and breach of trust
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account # XXXX, An collection Account under XXXX XXXX XXXX : Account # XXXX, Another collection account under XXXX XXXX XXXX  : Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$250.00} ( UNTITLED ) Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} DEPT OF ED:XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Formal Complaint Against XXXX  Forbearance Dispute Dear CFPB Representative, I am writing to formally dispute XXXX  handling of my mortgage forbearance request and subsequent account status. 

Due to a reduction in force, I lost my job on XX/XX/XXXX. As a result, I requested a forbearance in XX/XX/XXXX, which XXXX granted on XX/XX/XXXX, for a three-month period ( XXXX XXXX ) at a payment of {$0.00} per month. Based on this agreement, my next scheduled payment should have been due in XX/XX/XXXX. 


However, XXXX now claims that my account is in default, alleging that I owe a payment for XX/XX/XXXX, despite the forbearance agreement. I formally disputed this claim on XX/XX/XXXX, and provided supporting documentation to XXXX. 


Recently, XXXX mailed me a packet containing a letter contradicting the initial forbearance terms, stating that my understanding of the agreement was inaccurate. This sudden change in position is misleading and inconsistent with the original agreement. 


Although still unemployed and actively seeking work, I made a voluntary payment on XX/XX/XXXX, ahead of the proposed end of the forbearance period, as well as a payment in XX/XX/XXXX. Despite this, XXXX continues to insist that I am delinquent, further exacerbating my financial hardship. 


I believe XXXX handling of my forbearance request and account status constitutes unfair and deceptive practices, including : 1. Providing conflicting information about my forbearance terms.

2. Falsely reporting my account as delinquent despite an active forbearance.

3. Using misleading and convoluted language in communications.

I am requesting the CFPB to investigate this matter and require XXXX to : Honor the original forbearance terms as agreed upon in XX/XX/XXXX. 


1. Correct my account status to reflect the agreed-upon forbearance period.

2. Cease any delinquency reporting related to this issue.

3. Provide clear and consistent communication regarding my mortgage status. 


I will attach copies of the relevant correspondence, my forbearance approval, payment records, and dispute letter for reference.
Product: Vehicle loan or lease

XXXX sold out to Westlake Portfolio Management. I would assume for the issues with the military, to include myself, and their overcharging and improper procedures of collection. I owe 1 more payment to Westlake, as they took over the last few months. I have not been late, but they are attempting to collect my last payment a month ahead of time and are now are saying my XX/XX/XXXX payment is considered late and will reflect on my credit. They are using this as a tool of harassment. I am a XXXX XXXX XXXX veteran and I served 22 years as an XXXX XXXX is the XXXX XXXX XXXX. The fact, we have been overcharged and overcharged and had added expenses is incomprehensible. We have been unable to understand our debt since going through XXXX and are unable to access any charges by XXXX or Westlake Portfolio Management. We are confused how we owe an entire {$800.00} more when we supposedly owe {$650.00} as our final payment. No one can explain this to my wife and I. We have been called every day since the XXXX, as they say our payment is now is default. Again, we are not late nor have we been late. XXXX extended our payments during XX/XX/XXXX/XX/XX/XXXX, I believe it was, and they did report to credit that we were late when they fixed the payments to be paid in more than one payment on a monthly basis. This was due to biweekly pay schedule. The issue is with Westlake now and we can get no satisfaction with insuring their mistakes does not effect my credit. I am trying to buy a house. I have been repairing credit due to fraud since XX/XX/XXXX/XX/XX/XXXX. This has been tragic. I have no idea what to do at this point but to contact attorneys. Westlake Portfolio uses tactics I believe are wrong. What else can we do here when we just want this issue fixed? Regards, XXXX and XXXX
Product: Checking or savings account

There's an outage on my deposit funds that normally post every other Wednesday by XXXXXXXX XXXX or earlier. As of XXXX XXXX  cst they're still not available and they're returning my auto set payments.
Product: Debt collection

XXXX XXXX is attempting to collect an old tax debt, from the state of Louisiana. I had prior arrangements with the State of Louisiana, as I no longer live there. But, the state of louisiana sent the tax bill to a third party debt collection agency AKA performant recovery. Performant in return sent a letter threatening to LEVY my bank account. Only State and Federal tax people can do this, not a third party debt collection agency. They are attempting to bypass the law, and levy our account. I am on XXXX, therefore they can not levy this account. We are also on a low income, my hubby does n't make that much money and it would cause undue hardship. By law, they have to go to court first, then obtain a judgment. I had to go through this with Ohio state. 

I am disputing this debt, as it originally was only around {$1500.00} now it 's escalated to around {$4000.00} performant is not allowed to charge excessive amounts PER the law. I have filed complaints with the BBB, and the Ohio AG, as they are impersonating Government Tax officials. I have filed with BBB and ohio AG, and the FTC, this company refuses to respond. They can not levy my bank acount with out going through the court of law first.
Product: Mortgage

WELLS FARGO AS CONFIRMED WITH XXXX XXXX XXXX XXXX  NEVADA ASK A LAWYER PROGRAM HAS A HORRIBLE REPUTATION IN ABUSE TO CONSUMERS & NEITHER THE COURTS, LEGAL AID ENTITIES, DISABILITY ENTITIES, GOVERNMENT, CIVIL LEADERS OR POLITICAL PARTIES SEEK TO REVERSE THIS ABUSE. 
FOR NEARLY 4 YEARS WELLS FARGO HAS BEEN TOLD THAT THEY ACQUIRED A MORTGAGE FROM XXXX XXXX. THAT WAS INVOLVED WITH A STRUCTURALLY DEFECTIVE PROPERTY ( XXXX XXXX ) THAT WAS REPORTED PRIOR TO EITHER XXXX FLORIDA OR XXXX NEVADA WHERE XXXX & XXXX DEATHS OCCURED. 
WELLS FARGO CONTINUED TO ABUSE THIS MTG. WITH CLAIMS OF ESCROW SHORTAGES WITH A FALSE NARRATIVE OF SLIDING NUMBERS THAT IS NOT SUPPORTED BY FACTS. 
THE MOST CURRENT FACTS IS THAT XXXX XXXX XXXX PROPERTY THAT SHOULD BE DEMOLISH WITH A DISCOUNT THAT WELLS WILL AVOID OBSERVING. THIS DISCOUNT SHOULD RESULT IN A RETROACTIVE DISCOUNT & REFUND IN ALL ESRCOW CATAGORIES FROM VALUE TO TAXES, TO COST OF INSURANCE -- -- -- -- -- -- -- RESULTING IN A HEAVTY REFUND DATING BACK TO 2018 WHEN THE DAMAGE WAS 1ST REPORTED WELLS FARGO PAYS OUT XXXX XXXX ( SEE ATTACHED ) FOR EVICTIONS TO AVOID COURT " OFF THE BACK OF OTHERS '' BUT FORCE OTHERS TO FILE LITIGATION THAT WELLS FARGO SHOULD PURSUE IN BEING FALSELY SOLD A DEFECTIVE PROPERTY. DISCLOSURE LAWS WHERE NOT PROPERLY ENFORCED FROM XXXX TO WELLS. PLEASE REVIEW ATTACHED -TO INLCUDE DISCOUNT STATEMENT FROM XXXX XXXX XXXX 
THIS INCREASE ANNOUNCED BY WELLS SHOULD BE STAY -BUT ALSO REVOACTIVELY CHANGE BACK TO WHEN THEY ACQUIRED THE MORTGAGE FROM XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS FAILED TO PROVIDE PROPER COVERAGE OF A CLAIM FILED.
Product: Debt collection

LJ ROSS ASSOC XXXX XXXX Amount {$540.00} Every time I call them, they transfer me to different companies. this is from XXXX XXXX XXXX. I have never lived at that address.
Product: Debt collection

I keep getting contacted to pay this debt that I do not owe. I have XXXX XXXX XXXX and this has been an ongoing issue. Myself and the insurance company have contacted them and let them know the proper way to bill insurance but they disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, EXPERIAN and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed.
Product: Credit card or prepaid card

I called CitiThank you Preferred credit card to report fraud on my credit card account after my bank called me and asked me if I had made several payments to Citi card all at once. I had to shut my bank account down and get a new one and when I called to report this to Citi they also informed me of charges that we went over and they were not mine as well. To make a long story short Citi opened a fraud claim and took care of the charges but never took care of the fraudulent payments. Meaning somehow Citi never noted they were fraud even though it was mentioned to the Citi and the representative said she was noting the account. Well she never did and after speaking to a supervisor named XXXX I realized I had to notify someone that this can not be right and it is horrible to have proof you did not make these payments and to have your account closed for no reason. I have reports from bank and others and need to speak to someone in corporate office.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification that there had been a hard inquiry from Synchrony Financial/XXXX  XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on XX/XX/XXXX.
Product: Mortgage

Bank of America issued XXXX checks to me because they did not accept partial payments for mortgages. The checks were missing for a period of time, however I am still within the statute of limitations to request that they honor both checks. Instead BOA voided the check and sent the money by wire transfer to XXXX XXXX XXXX XXXX who subsequently took over the loan. BOA should have voided the expired checks in XX/XX/XXXX or XX/XX/XXXX and reissued them to ME! Now BOA believes that they do not have to honor the check because they no longer service the loan. They believe this grossly negligent error is no longer their responsibility which is not true. Checks ' information : XXXX {$1100.00} dated XX/XX/XXXX and XXXX {$450.00} dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX, XXXX, XXXX  XXXX XXXX, Bankruptcy XXXX  XXXX Case Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This complaint is against XXXX and XXXX for not removing bad information from my credit file. On or around XX/XX/XXXX, a cell phone account was opened at XXXX XXXX. I do not have a XXXX phone and have never had anything to do with this company. I was told by XXXX that this account was sold to a collection agency ( XXXX ) in which I found out is on my credit report with XXXX and XXXX. I filed a dispute with XXXX and XXXX and received info that this particular account belongs to me. First of all I found out thru XXXX that this account is under a different name with my ssa #. Secondly, XXXX deleted after I disputed in XX/XX/XXXX but intern added it back into my credit file in XX/XX/XXXX. I refiled the dispute with both XXXX and XXXX. How can you file a complaint one day and a day later, both credit bureau have the investigation complete and you receive their results within a few days in the mail. I honestly feel like both XXXX and XXXX should be shut down for inaccuracies. Everyone that works their has bad English and very rude. I feel if they do n't get some kind of training on how to handle disputes and keep records accurate, they should be shut down.
Product: Credit reporting or other personal consumer reports

I have contacted Experian on several different occasions regarding a bankruptcy that is inaccurate. The company also verify bankruptcy without the proper investigations. They also go off old reporting disputes and uses the same reason. 

The inaccurate bankruptcy has been deleted for several months from XXXX XXXX. 

Experian refuses to remove this inaccurate bankruptcy that isnt mine or showing under my name or social security. 

I have attached XXXX documents : XXXX XXXX and XXXX. 

XXXX has deleted after receiving the proof and investigations. XXXX has deleted this from my credit file and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX. XXXX XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower XXXX XXXX.
Product: Debt collection

I receieved multiple phone calls from ARS National. I requested the company provide me with the verifcation of the debt and who it is from. I wanted to know what company was trying to collect the debt from me. They told me they would not provide me with any information unless i gave them my social security number or date of birth.
Product: Credit reporting or other personal consumer reports

I LOOK AT MY REPORT AN NOTICED SOME INACCURATE INFORMATION ON MY REPORT. 

XXXX XXXX XXXX : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$2300.00} XXXX XXXX XXXX  : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$400.00} I NEVER DID ANY BUSINESS WITH NEITHER OF THESE COMPANIES NOR DO I HAVE A CONTRACT OR SIGN A CONTRACT WITH THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account ( Account # XXXX ), which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard.
Product: Money transfer, virtual currency, or money service

Coinbase is an online platform for buying, selling, transferring, and storing digital currency. 

Currency can either be stored in a 'Wallet ', which acts like a current account and facilitates instant transactions, or a 'Vault ' service, which is advertised as a more secure method of storage. I decided to go with the more secure option and transferred all my funds into the 'Vault '. When setting up a 'Vault ', you are required to provide a secondary email which is used to verify and initiate withdrawals. 

On XX/XX/XXXX I initiated a 'Vault ' withdrawal, but soon realised I no longer had access to this secondary email address as it belonged to my former employer. 

There is no method to update this secondary email address via the Coinbase user account. I emailed Coinbase on XX/XX/XXXX to notify them of the problem, and received an automated response to say the only action was for the 'Vault ' to be closed and funds transferred back to the 'Wallet '. 
This would be a satisfactory outcome, however despite numerous attempts to contact Coinbase, I have only received further automated responses. I have carried out some research online and discovered numerous other people with similar problems, many of them reporting they are waiting 6+ months without resolution : XXXX XXXX XXXX I'm now deeply concerned for my finances and by the Coinbase operation.
Product: Checking or savings account

Someone hacked into my phone and hacked into my Chime bank account and stole my XXXX check and my financial aid check amounting out to {$1000.00}. And another dispute amounting out to {$450.00} I disputed with the Chime support XXXX times in the past XXXX days and rebuttaled XXXX times in the past XXXX days Ive contacted Chime XXXX times in the past XXXX days. I got hung up on XXXX times and the rest of the time they lied and said that no error occurred I provided evidence that an error did occur. I filed a police report With the police and in the police report, it stated that Chime needed to refund me. They are refusing to refund me. They are refusing to go through with the claim. They also told me several times that I qualified for a provisional credit for the money that was stolen and then sent an email saying that they were not gon na give me that money that was stolen from my account afterwards several times I also wrote a letter explaining everything as well