23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Misrepresentation of available credit balance. 

I paid partial balance and available credit was shown. Citi Cards closed my account with no prior notice and immediately. I was unable to access the stated available credit and this left me in a more difficult cash position. This may be construed as misrepresentation or an otherwise incorrect statement of available credit. 

I have no animosity towards Citi, but this is a dangerous precedent, not only for persons but for banking. This kind of stuff causes crashes.
Product: Mortgage

On XX/XX/scrub> 2024, I submitted a payoff wire for {$71000.00} to Specialized Loan Services ( SLS ) at the account provided. 
By XX/XX/XXXX, the money had not been applied to the mortgage. I contacted the SLS at XXXX to see if they had received the funds, but the person said that the funds still needed to be received. So, I was transferred to the escalations department, where it was determined that I did not put my mortgage account number on the wire. So, I faxed and emailed the proof of payment to XXXX & XXXX. I also called my bank to confirm the delivery of the wire transfer. IMAD number XXXX confirmed the wire was delivered to the correct account. 

On XX/XX/XXXX, I called again to ensure the documents were received. I was informed there was no one there to check the email account provided the day prior. I was asked to email a different account, XXXX. I received an automated email that the email was received. 
When I spoke to the customer support person at SLS, I was told I needed to contact SLS 's bank to try to resolve the situation because SLS did not have the payment. I contacted XXXX XXXX, and of course, they said there was nothing I could do as I was not the account holder. 

XX/XX/XXXX, I called to find out if SLS was able to locate my funds. I was told the money was returned to my account on XX/XX/XXXX and that it would take XXXX hours to reach my account. I checked with my bank to see if there were any funds pending. there are not. 

On XX/XX/XXXX, I checked with my bank to see if there were any pending funds, and there were none. I was told that they could add the missing information from the wire to the notes, so I asked them to do so. I contacted SLS for an update, but I was told to wait. 

On XX/XX/XXXX, I verified that the money was not in my account. When I called SLS, they said they had just received my documents and would process the return. They then corrected themselves to say that the money had already been returned, but they could not provide any evidence of doing anything at all. 

As of XX/XX/XXXX, there is no change. 

Attached are the wire transfer documents
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Ive Sent Numerous letters to the company and the the Company Continues to failure to respond, I have talked on the phone to resolve issue and still nothing, there isn't any notice at all on there site indicating that their ever was an dispute, this is also my third time contacting the company about this same matter and would like your help getting resolved.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXX. XXXX XXXXXXXX Account number XXXX have violated my rights. 

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXXXXXX XXXX XXXX Account number XXXX have violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. 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 15 USC 1681 ( e ) ( b ). 

And According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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: Checking or savings account

XX/XX/XXXX I opened my Bank account in Wells Fargo in XXXX In XXXX or earlier, I wanted to open savings accounts for my grand children so I can deposit about {$20.00} in each of their accounts every month. I was informed that I can open sub accounts under my Checking account and I had very clear understanding that there will not be any charges or fees. Some nice polite banker helped me with opening these accounts and all was fine. I checked in the initial months to make sure all was well and no hidden charges or fees were being charged. 

A few years later, I found out that the bank has been charging fees from all of these accounts. I figured, it was a mistake and contacted the bank. As usual they were very nice and polite and promised to look into the matter and resolve it. First they returned a very small amount and then some more. This thing went on back and forth for a few months. And finally they informed me that they have returned all the fees they had charged and all is well and also assured me that this will not happen again. They explained something that I do not fully understand and said, that my account is privileged as 'grandfathered ' and as long as I have {$1500.00} combined in all of my accounts, bank will not charge any fee. Someone from the Corporate Office also said sorry about the incident and assured me that it will not happen again. I checked the accounts again for couple of months to make sure fees were not charged and moved on. 

Now in XXXX, about two months or so back I found out that the bank is again taking money from the little children accounts every month. I am depositing about {$20.00} in each of these accounts every month and the Bank is charging a Fee of {$10.00} per month from each of these account every month. Makes no sense. It seems so unethical... Any way, I called the Bank again and again started talking to all these nice polite people. I was informed that only some money was returned and not all. That confused me, as I was told at that time, that all the fees have been returned. 

I have talked to several people at the bank by phone and finally I think this lady XXXX XXXX is understanding the matter. She did return some money and is working on the rest. She has made some changes so that fees are never again charged on these accounts. She is very cooperative and helpful, but it is taking too long and perhaps, she needs ok from her higher ups. 

Wells Fargo is a very big bank and growing wealth. Taking {$10.00} per month from a Savings Account where the monthly deposit is on {$20.00} does not make any sense. It seems very unethical. I understand, it is just some software program. Lots of brains but no Heart. My experience with banks is always very good. Bankers are always friendly and very much humans and Personal Banker is still a valuable friend today and should be able to resolve such matters quickly and effectively. 

Other than this, I have no complaints against Wells Fargo and will continue to call it My Wells Fargo Bank. I am sure common sense will prevail and this matter will be resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Breach of privacy consent and violation of Consumer rights Time of Incident : XX/XX/year> @ XXXX XXXX  central Phone : XXXX In a phone conversation on XX/XX/year> with Chase representative, I explicitly denied voice verification as a method to retrieve and access information contained within my account. 

Today, XX/XX/year> at approximately XXXX XXXX  central time, Chase breached my consent when XXXX operators asked for my home address to confirm identity and admitted my account information ( on belief ) was listed on their screen despite never providing details like account or card number to retrieve details. My voice was used to retrieve information. My online digital access to account has been locked without justification from Chase since XX/XX/year>. I am unable to use credit/debit cards as a result. I am an established Chase consumer and retail account holder. Chase will not unlock my account unless I confirm details on credit report to prove my identity. I have refused to provide this information as I am an established customer for over XXXX years with responsible payments and account history. My credit history is irrelevant to the issue and quite frankly, none of their business. 

Identity Theft Enforcement and Protection Act Section Sec. 521.05 : Unauthorized use or possession of personal identifying voice information.

Section Sec. 521.051. ( a-1 ) Consent is not effective if : ( 1 ) induced by force, threat, fraud, or coercion.

Required actions : 1. Immediately unlock access to online digital account 2. Email address on file is accurate and valid to ensure password reset.

3. Remove voice verification from my account immediately 4. Punitive damages to be determined for any financial losses resulting from unjustified account lock 5. Reissue credit card ending in XXXX as per requested immediately.
Product: Debt collection

I recieved a notification of a debt on my credit report stating that jefferson capitol systems had aquired a debt from XX/XX/2011 for the amount of {$790.00} which they purchased from us cellular. I have not recieved any mail notifying me of said debt. Not to mention the statue if limitations on most debts is 7yrs, others is 10yrs. They have reported this debt twice on my credit report from experian. That also is fraudulent. I have asked them twice now to remove the debt from my credit and the 1st time i was hung up on. The 2nd time they were dismissive of my demands to have it removed.
Product: Checking or savings account

Money Network is refusing to refund my account from unauthorized withdrawals from foreign countries. My account was hacked and I had numerous withdrawals from unknown sources with Internet addresses and out of country locations. I have never left the country nor do I use my personal account for online purchases anymore after I had an issues the first time " that I had to resolve on my own ''. I'm missing {$250.00} from the last incident from unauthorized withdrawals from XXXX, XXXX, and XXXX... In their paperwork along with the acknowledged dispute form, it states that if I didn't respond or send the dispute form back, they would resolve the issue with the information they had, which was everything they needed and nothing extra. However they denied it because I misplaced the forms and eventually found them again. I filled out my name and a yes or no question and sent it back as an appeal. Now they say they deny it due to recent similar transactions which is not accurate at all. I have attached everything imaginable for proof. Another issue is when make a payment to XXXX XXXX for credit card payments, it is instantly deducted from my checking account, but XXXX XXXX has sent me numerous returns on payments due to insufficient funds that NEVER went back into my bank account with Money Network " XXXX XXXX ''. I believe this company is stealing from its consumers and feel they should be thoroughly investigated and the consumers should be refunded for all unaccounted money misplacement and theft. I will never use this company again and never recommend anyone to use it either, they are absolutely horrible.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/2024, XXXX XXXX XXXX Inquired on XX/XX/2024, XXXX XXXX XXXX Inquired on XX/XX/2024, XXXX Inquired on XX/XX/2024 & XXXX XXXX Inquired on XX/XX/2024 XXXX
Product: Credit reporting

Over the last couple of years I have been struggling to get my credit back in good standings, and I have finally gotten it to the point where I 've been approved for a home loan. During the process I discovered negative information on my credit reports involving tax liens. So I got in touch with the appropriate personnel that sent letters of expungement and had liens taken off of reports. I was using XXXX XXXX services to keep track with this process of removing these items from the XXXX agencies they use, XXXX and XXXX. When they were removed my credit score went up greatly. Naturally I wanted to see the results of the other agency Experian. In XXXX, when initial credit inquiry was done by mortgage company, my credit score registered XXXX with Experian. When I was finally able to find out my new score, I was disappointed to find it at XXXX. Then while trying to get some understanding as to how my score could decrease with them and increase with the others I was unable to receive any clarity. I voiced my concerns through an online dispute, but have not had any kind of response. Thanks for giving me this platform to air concerns and complaints.
Product: Credit reporting or other personal consumer reports

Over the past XXXX weeks, I have attempted to access my credit file and score due to a drop in my score from XXXX last XXXX to approximately XXXX now. I've been addressing errors and undertaking general credit repair. TransUnion has denied access to my credit file and score during this period, citing system errors/issues, and most recently, a lock on my credit file with a specific code due to missing files. I've requested corrections since XXXX or XXXX of this year to challenge the accuracy of my file and the legality of some reported items. I've also asked for accurate reporting of my address, phone number, and employment, with the removal of all others, along with other FCRA-related items to rectify the sudden issues with my credit file. Despite resetting my password, I now face difficulties accessing my credit file at will. I suspect TransUnion is deliberately preventing access to my credit report, which I believe is a breach of the FCRA and other laws.
Product: Bank account or service

We opened an account several years ago with Wachovia called Crown Classic Banking, later they were bought out by Wells Fargo and our account was moved with them. This account for us was a dormant account since we only planned to use it in the case of a medical emergency. Wells Fargo agreed to the same fees and terms of our agreement with Wachovia which were that we suppose to maintain a minimum balance of {$1000.00}, which later changed to {$1500.00} but since we had more money there than that, we continue with the account. We transferred a large IRA Account and small IRA 's CD, and without our consent, they put us under a new product called Wells Fargo, PMA Package, this product required to have a minimum balance combined with all our accounts of over {$25000.00} of linked FDIC accounts or {$50000.00} on our accounts. We never knew that we were on this PMA Package since they move us to online statements. We were receiving statements for our IRA 's and we thought that we were not receiving statements of our emergency account because the account was dormant. We moved from Wells Fargo most of our IRA 's and left the emergency account there because we used it for our Safety Deposit Box and medical emergency. A year and several months later we learned that they were deducting {$30.00} XXXX every month for not being under the PMA Package, even if the checking account still named Crown Classic. They deducted {$30.00} XXXX every month from XX/XX/XXXX to XX/XX/XXXX for a total of {$570.00} XXXX. We trusted them so when I went to the branch to check my wife 's IRA they told me that my account was dormant and that I need to deposit more money which I did a couple of occasions. How can an account be dormant if they are withdrawing money every month?! When we realized about this happening on XX/XX/XXXX we talked to every person at the bank, we asked who authorized the change to a PMA Package account because we did not ; they did not provide us a document signed by us that could prove that. We even spoke with the District manager, she said they sent statements to our house, which was not true. Finally, they accepted their mistake but they said they only could reimburse us for XXXX fees, which they did by stopping the fee for XX/XX/XXXX and reimbursing us {$60.00} XXXX for the month of XXXX and XX/XX/XXXX. So basically we lost {$480.00} XXXX for being moved to an account we never authorized or asked. We trusted them with our emergency money and they failed. We trusted them because my aunt worked over 50+ years for them until she retired. We closed our accounts with them as soon as our Safety Deposit Box was due 3 months later and we never want to bank again with them. I do not understand how the bank could move us to another of their products without our approval and authorization. I hope you can help us with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent received a response to the letter I sent to Experian dated XX/XX/2017 stating that they need to re-investigate and verified the Item listed in the attached letter named Experian 6 which is my 6th letter I 've sent trying to resolve this matter. In an effort to help Experian in their investigation I have attach a copy of my Equifax Report that clearly shows that they couldnt verify the Items and were deleted. I would like to know how they " verified '' the information listed below when it is clearly inaccurate : Did Experian call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last in XX/XX/XXXX, here it is XX/XX/XXXX and the company hasn't responded within the mandated XXXX investigation period. According to the FCRA, if a furnisher fails to verify the accuracy of disputed information with the specified timeframe, the disputed information must be removed from my credit report. I request the CFPB 's assistance in ensuring compliance with these legal obligations. 

The original complaint number for this claim is XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Yet, transactions from my account were reported negatively, exclusively involving interactions between myself and your corporation. This unequivocally runs afoul of the aforementioned FCRA provision. 
In accordance with XXXX compliance standards, I request that you promptly provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist upon the immediate removal of the transactions reported in as late from my consumer reports, as they flagrantly violate federal law. I must stress that my inquiry does not concern validation or verification, and I expect no further delay in addressing these urgent matters.

I also draw your attention to 15 USC 1666b ( a ), which explicitly prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of this provision, I reiterate my demand for the expeditious removal of the above-mentioned transactions from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information id theft cra and hippa violation not 100 % must remove violation of my consumer protection act
Product: Mortgage

My mortgage was transferred from Freedom Mortgage to XXXX XXXX XX/XX/2022, then transferred back to Freedom Mortgage XX/XX/2022 which onboarded with a late payment due XX/XX/2022, which could not be paid nor was there any billing statement sent for from XXXX XXXX or Freedom Mortgage prior to XX/XX/2022. No communication between either servicer was provided regarding a servicing transfer until I reached out to each XXXX XXXX first to find out what was going on with my mortgage and secondly to Freedom Mortgage asking why they were sending me late payment notices without having first received account info.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for Alduous and Associates to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on ALDOUS AND ASSOCIATES XX/XX/2022. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was short for monety before my payday and looked into a few pay day loan companies. I applied and once i saw the insane biweekly repayment agreement, I did NOT go though and sign the loan agreement forms. This company deposited the {$300.00} into my bank anyway, and now wants me to pay {$83.00} BIWEEKLY on a loan i never fully signed up for. I can't even pull my Loan Agreement from the website without it crashing, which is proof i never even signed a loan agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}