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

Wells Fargo Bank. I am a checking account holder in MA, where WF has NO locations. WF was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, WF encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, WF has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed W-9 on file. WF sent me a W-9 form, which I completed and returned. SO, AS REQUESTED BY WELLS FARGO, I HAVE COMPLETED AND SENT IN THE W-9 FORM I RECEIVED FROM WELLS FARGO AND SENT IT BACK TO THE REQUIRED ADDRESS BY ( 1 ) REGULAR US MAIL, ( 2 ) FAX, AND ( 3 ) XXXX FOR WHICH I HAVE A RECIPT -- -AND STILL the withdrawal/holdings continue. The latest response to this ongoing issue? -- -I rec 'd a response sending me a copy of a deposit requirement and a suggestion that I complete and send in a W-9 form. This is madness -- -and in my view, a violation of the Massachusetts Consumer Protection Statute c.93A. WF had a breach, and they are now imposing a hardship on a customer as a result. Indeed, one WF customer representative advised that I just drop the issue and deal with the withholdings at tax time. This bank is incompetent.

I DO NOT want or need more calls or letters from WF customer service apologizing -- -just find the form I have sent in 3 times and resolve this. 
Please help
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting an account inaccurately on my credit report. Besides the point that this is not my account and that my social security number is not the one on this account, the opening date of this account is not accurate. XXXX XXXX states on XXXX and XXXX credit report that this account is open on XX/XX/XXXX. If this is true why do I have documentation that there was a balance on XX/XX/XXXX. This account was verified by the Original Creditor, Capitol One, to be opened in XXXX back in XXXX when I first got the call of this account by Capitol One. For this if this account was opened in XXXX or XXXX then it would be fraud and falsely to say it was opened in XXXX just to keep it on my credit report and keep harassing me with letters and phone calls. I am working with all credit companies for it just showed up on my XXXX  again since XXXX when it was first reported. I have documentation that they keep sending and harassing me with.
Product: Mortgage

I recieved some deed of ownership from XXXX XXXX XXXX XXXX and then I submitted something with you Now I recieved this and what looks familure is /s/ and d/b/a
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights
Product: Debt collection

Someone bought phone on my XXXX that was not me. Company has been notified and continue to do nothing. Charge is fraudulent and will file report with attorney general
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Debt collection

I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft/fraud. I have noticed the original creditors, Transunion, XXXX XXXX XXXX several times that the following accounts do not belong to me : XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to the original creditors, Transunion, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Was charged unauthorized transactions from Chime Bank. 
Filed Dispute and reopened XXXX  times all less then XXXX business days clearly didnt do any research. Requested Documents and was sent this ; no supporting evidence that would conclude the legitimacy of these transactions. Clearly they have no evidence and refuse to send me supporting evidence. The Dispute Team at Chime Bank is clearly being unfair and divisive. Not to mention when I originally reached out to file dispute the representative filed as a duplicate charge when I clearly stated it was fraud. Would rather bank with XXXX XXXX or XXXX XXXX. Same level of customer support which is sad because XXXX is an actual XXXX XXXX XXXX XXXX. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$500.00} Hi XXXX Attached to this email are the document ( s ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX XXXX Date Amount Merchant XXXX. XXXX XXXX {$74.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$49.00} XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any.

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team.

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is claiming that I have not paid for the months of March 2022-June 2022. They have already claimed that they have a repo company hired to take my vehicle despite the fact that I sent them bank statements as proof showing that I did pay them for those months. 

Also with the Fair Debt Collection practices act, as well as federal consumer law, they are violating 15 USC 1692f ( 6 ) They are threatening to take my vehicle without a non judicial action. I was not given a disclosure to opt sharing information, so they are taking illegal actions violating my rights as a consumer by allowing a repo company access to my personal information They are also reporting inaccurately. By law, they have to remove them
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX =================================== UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =================================== 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered an inquiry on my credit report that I do not recognize, nor did I authorize or apply for any credit with this company. This unexpected and unauthorized access to my personal information is deeply concerning and has been causing me significant stress and anxiety. I have no association with this entity, and I have never given consent for them to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.
Product: Mortgage

I received a final loan modification on XX/XX/2022 and have continued to make timely payments. I returned the signed and notarized final loan modification documents and I have not received from the bank a signed copy of the final loan modification for my records, which I have requested. The only access we have to our account at this time is to view it online and it has not been updated. We are not able to make online payments, only by phone payments. It is my fear that the loan modification has not been properly entered into Truist 's system and I am not being credited properly. I am in fear of losing my home and have done all that was requested of me and my family to keep my home. I require immediate resolution of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I want to add additional information to my previous complaint regarding PNC bank. I read about a customer sue in pnc bank for taking money out of my checking account without my permission during a bankruptcy I had to file due to theft and fraud. During this time my checking account was supposed to be closed. I called the bank 3 times requesting this account be closed. Instead of closing my checking account pnc bank deliberately kept the account open because they knew I was going to receive my 2nd stimulus payment by direct deposit from the irs. Pnc bank then took half of my money without permission and applied to a loan and a credit card that they issued a year previous. Knowing full well I could not pay back because all my money in stock was stolen and loans were taken out in my name. Due to my identity was sold in the XXXX XXXX then posted on XXXX in a different language using my personal information. I wrote letters to pnc bank with state police report explaining that XXXX.with recipes showing I had no money left. Because it happened in XXXX I would not get any of my money back that Was stolen from me. Pnc bank did not care and said I was lie in and did not believe me. So they took my money out of my checking account to pay the loan and the credit card balance without my permission.
Product: Checking or savings account

Hey, so i had to transaction that were unauthorized so I disputed both claims one for {$100.00} the other for {$140.00}. Its very unfair how my bank Chime tied with XXXX XXXX has been treating me especially that this pandemic is going on and they will not fund my account with money missing out of my checkings, they already closed my debit card and issued a new one but thats the best they seemed they can do i hope you guys can help resolve my issue thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account NameXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX  Account # XXXX, Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account NameXXXX XXXXXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # XXXX, 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: Student loan

I have XXXX direct unsubsidized student loans with a current outstanding balance of approximately XXXX. In XXXX, XXXX, I began work at the XXXX in XXXX, West Virginia - a non-profit organization. Because of my continuous work with a non-profit organization, I submitted paperwork in XXXX, XXXX to ultimately have loans forgiven after 10 years of continuous service with the non-profit and 10 years of consecutive payments. My servicer at the time I submitted the paperwork was XXXX XXXX. My XXXX XXXX ID was XXXX. 

On XXXX XXXX, XXXX, I received an email from XXXX XXXX informing me that my loan would thereafter be serviced by FedLoan. Specifically, that email stated as follows : " Important Notice : Transfer of Your Loan Account Dear XXXX, The U.S. Department of Education ( ED ) will soon transfer the customer service of your federal student loan account to FedLoan Servicing ( PHEAA ), another member of ED 's federal loan servicer team. Your loans are not being sold. ED will continue to own your loans ; however, a different servicer will manage your loans and assist you on ED 's behalf. 
ED is transferring your loan account to FedLoan Servicing ( PHEAA ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. FedLoan Servicing ( PHEAA ) is ED 's servicer that provides customer servicer for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. 
Your loan account will be transferred to FedLoan Servicing ( PHEAA ) on or about XXXX/XXXX/XXXX. If ED does n't transfer your account as planned, we 'll let you know. '' Please note the language stating that the transfer would not impact the existing " terms, conditions, interest rate, or available repayment plans ... '' For the entire eight year period I have been paying approximately {$190.00} per month on my loans. 

Once the loan was transferred to FedLoan, I received a bill for {$320.00}. ( My FedLoan account number is XXXX ). That is an increase of {$130.00} per month. At least in my mind, a monthly increase of {$130.00} is a substantial change in the terms and conditions of my loan. I contacted FedLoan twice and all they would tell me was that my loan had been " recalculated. '' I could never get past the first person who answered the phone. 

The last few months, I have continued to make my regular payment of {$190.00} as I have made for the past eight years. Now, unfortunately, FedLoan shows me as delinquent because I have n't been paying the higher amount. This can obviously have a severe negative impact on my credit score. 

I am not trying to avoid payment. What I want is for the payments I have been making for nearly a decade to remain the payments I continue to make - i.e. {$190.00}
Product: Credit card

I have been incorrectly billed. 
CITICARDS CBNA Account Number : XXXX