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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX, Experian, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : SYNCB/Old XXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.
Product: Money transfer, virtual currency, or money service

I send {$2300.00} to my sister on XX/XX/2024 via XXXX XXXX The company marked the transaction delivered but never came to my sisters account. After two days I called my sister and she said nothing yet. I contacted XXXX XXXX who claimed its their local agent in XXXX ( XXXX XXXX ) not delivering the money to my sister and they will open investigation. Days on days till a week XXXX XXXX will tell me same thing. On the XXXX day, I called and the agent said that the money never left my account that thats the status of their investigation. I told them that XXXX XXXX XXXXXXXX has confirmed that the money has left my account which shows a negative transaction. The agent ended the call. I have tried to call XXXX XXXX for past two days all they do is to pick up the call and end it. Put me on hold until the call declined. Please Im not the only customer that is experiencing this as my bank told me. Please we need protection from this XXXX XXXX and the Government should do something about it.
Product: Credit card or prepaid card

Upon opening up a Wells Fargo checking account I was asked if I wanted a credit or debit card. I stated my desire for a credit card and sent a debit card. I check with the WF official and was informed that they ordered me a debit card as it offered me additional benefits. I asked about all the other benefits associated with the credit card and was informed that they were identical. 

Upon needing to use a credit card benefit, I was informed that the benefit was not on the debit card. Wells Fargo was contacted and a representive in the Executive Office indicated that there was an internal investigation and the bank was unable to help. 

This is clearly a matter where an employee, a number of years ago, went against my request and unilaterally sent a different card. Then the employee gave assurances that the card benefits were the same between the credit and debit card. 

A consumer should not be the subject of mis-information and the results of the internal investigation should be shared.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX : Account number : XXXX and XXXX XXXX : Account number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services needs to stop reporting the accounts below. My lawyer has been contacted and were going to file lawsuits if these fraudulent accounts are not removed. 

Accounts ending in XXXX and XXXX do not have a reported record since the accounts closed more than five years ago. 

Accounts ending in XXXX and XXXX were requested to be removed by XXXX XXXX from EWS more than thirty days ago. I sent XXXX XXXX two letters and XXXX XXXX told Early Warning Services to remove the accounts immediately from the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Covid related deferral program with Nationstar Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on Nationstar 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

Nationstar has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- Nationstar has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which Nationstar did the same thing, despite being in the deferral.
Product: Checking or savings account

I am writing to bring to your attention an unfortunate incident that has caused me significant distress and inconvenience. On XX/XX/2024 there was an error in debiting my bank account by your company in the amount of {$870.00} This error has resulted in considerable financial strain and emotional turmoil for me. The bank debited my account for a claim they never paid me for
Product: Credit reporting or other personal consumer reports

Dear Equifax, I recently looked at my credit report and I noticed that some hard inquiries on my credit report that do not have permissive purpose according to the Fair Credit Report Act anything on my credit report that does not have permissive purpose must be deleted according to the 15 USC 1681 B. 

Hard inquiries 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 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 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 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 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 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 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 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 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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$83.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXXXXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Since start of XXXX, I am unable to transfer money since the US number registered in my account is not receiving SMS for 2-factor authentication. Calling to them using my US number also does not get answered by a banker. After messaging Wells Fargo through XXXX, they called me through my international phone to help me. The support person told me that they could only validate the online transfers through SMS and that international numbers could not receive SMS. Without the SMS verification, I would need to send a notarized printed form ( given that I'm not living in US ) to have a transfer. 

After checking other users, I found out that Wells Fargo is blocking VolP numbers, even when they are the only number registered in the account. My phone number is a XXXX XXXX number, so Wells Fargo stopped sending the SMS, without providing a feasible alternative for me. 

After pointing out the fact that VolP are being blocked in Wells Fargo XXXX page ( given that I'm being unable to call them ). I got no answer. I am locked out of my account, being unable to make transfers.
Product: Debt collection

In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.
Product: Credit card or prepaid card

I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with XXXX XXXX Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. XXXX XXXX is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, Wells Fargo reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from Wells Fargo, XXXX XXXX credit bureau lowered my credit score XXXX  points. I have disputed the ownership of this account because the credit card in question that I held with Wells Fargo was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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: Debt collection

I had a debt sold to Brightwater capital LLC. My debt has a lien on my car which I'm trying to resolve. I've called the original financial company XXXX XXXX and they xant help me. I've called and emailed numerous times and have had no reply. They don't answer phones or emails.
Product: Checking or savings account

Wells Fargo would not close my account at first because XXXX balance and XXXX pending transactions all positive balance the negative balance became a positive XXXX and there were XXXX pending transactions that were positive after that one for {$17.00} and XXXX for {$25.00} only thr {$25.00} was left pending when that went off my account should have been closed automatically it says gnat in writing and it also says no more charged would go through as the person on phone said exact same thing I checked this morning they put a charge through putting me negative instead of closing my account when the pending transaction went off The XXXX pending charges were not the added XXXX after told only after XXXX pending the {$17.00} and {$25.00} on phone last night and no more charges would be added and account would automatically close after this pending XXXX charges posted I checked the {$17.00} went off the {$25.00} was pending then they added the XXXX charge illegally to keep account open and get another overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

After over 120 days of sending Equifax several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. Equifax has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. Equifax continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.
Product: Student loan

I applied for the temporary PSLF waiver program in XXXX through Mohela. They still refuse to process my application, erroneously throwing out statements like they didn't receive all pages of my PSLF forms ( to which I sent in again and then they canceled saying it was a duplicate in XXXX ), or they can't verify my employer is a government agency ( despite it ending with a .gov address, having my employer signed PSLF form, and me sending in a copy from the federal aid website verifying the EIN is a qualifying employer in XXXX, to receive another letter in XXXX stating they can't verify the EIN and they understand I can't obtain verification of my employment. ) All these erroneous statements keep them postponing my availability to obtain credit for my work in the federal government of close to 20 years now, which I should have credit for towards my student loans. I also requested a prior history from Mohela of all my past student loan payments from prior servicers before my loans were transferred and they refused at first to provide it, and when I requested it again, they only provided a partial listing showing back to XXXX. I have been in repayment since XXXX.
Product: Credit card or prepaid card

We had a vacation rental scheduled for XXXX in XXXX, XXXX. When the hurricane hit them on XX/XX/28 it wiped out the causeway so we were unable to occupy the rented home for our vacation. The rental company would not return our funds and so we turned to our credit card company under the services not rendered clause. They only returned the one transaction claiming the other transaction was valid from cancelling our visit. We did not cancel and I provided them plenty of documentation showing this but they refused to reverse the decision and when I provided further proof from the actual rental company telling me to work with the credit card company said we had run out of time, even though their representatives told us there was no timeframe!
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed there was some accounts being furnished that do not belong to me, I have filed a ftc report and also asked the creditor to validate this item for me which the creditor failed to do so. These accounts due to identity theft are hindering my credit worthiness.
Product: Mortgage

The short sale of my home was approved by XXXX through the servicer NationStar. We have a closing date of XXXX XXXX, 2015. Now the Servicer, Nationstar, is saying they wo n't allow buyer closing costs to be paid which were on the offer and on the approval ( as stated as item XXXX seller concessions of {$5000.00} ), plus they are trying to negotiate the title insurance fees ( as stated as XXXX as other closing costs ), which were also on the approval. The HUD had been submitted several times with neither the buyers closing costs nor the title fees being mentioned as an issue before yesterday. The buyer can not close without the closing costs as part of the deal. The fees the servicer is trying to negotiate or discount can not be as it is considered illegal to do so. All parties have signed. The buyers lender is ready to fund. My agents have complied with all the requests of the Servicer. They have emailed and left several voice messages to understand what is happening and have had no reply. This is suppose to close and record tomorrow, XXXX XXXX. Due to Nationstar not responding and changing the terms, my sale will not close and my house will go into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC report, PA license, and 15 USC 1681c-2 to Transunion, XXXX, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the The Consumer Financial Protection Act ( CFPA ) Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions
Product: Checking or savings account

I went into a Wells Fargo branch due to fraud charges on my account. On XX/XX/XXXX They told me they will refund me all the fees and chargers on the account. I get an email notification my new card was shipped on. On XX/XX/XXXX I get an email saying my new card has shipped. On XX/XX/XXXX I get an email saying the account has been closed. I call in an was told because my account was negative for so long it had been closed for XXXX. They person from the claims missed a transaction and it was closed due the negative balance. I had this account for almost 20 yrs I told them and no one told me when I was in the branch I needed to make a deposit. The rep I spoke to told me to call XXXX. I call them I explain to the rep what happened. She said the account is closed they no longer offer my type account. I told her I would like to speak to someone who can look in to this further and help me. She says nothing can do once account is closed if I would like to speak to fraud claims dept for the missed transaction I told her no I want to speak to someone who can look in to this clear it up. I shouldnt have to speak to bunch of different departments then she says she will file a complaint gives me a claim number of XXXX and tells me someone should call me. This should never happen. They explain this to me as if I was work for Wells Fargo and know all the different departments and what they handle. I told her I am a customer not a Wells Fargo employee.
Product: Credit reporting or other personal consumer reports

I've noticed some unauthorized hard inquiries on my Experian credit report that I don't authorize. According to FCRA these unauthorized and unverified inquiries must be removed. The two inquiries that I have noticed are XXXX XXXX NA XX/XX/2024, and XXXX XXXX XX/XX/2024.
Product: Consumer Loan

After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan has been open since XX/XX/XXXX. XXXX has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XX/XX/XXXX 4. Is current and paid satisfactory according to Bank.
Product: Credit reporting or other personal consumer reports

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation XXXX XXXX XXXX Date : XXXX Amount : {$9000.00} JEFFERSON CAPITAL XXXXXXXX XXXX Date ; XXXX Amount : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}
Product: Debt collection

I have sent numerous letters to XXXX AND XXXX remove an account open fraudulently in my name. They are violating my rights as a consumer. XXXX XXXX has already removed this collection and they still refuse. This is hindering me from getting housing for me and my son. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX ( INACCURATE ) Date opened XX/XX/2020 ( INACCURATE )