23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every time I contact Wells Fargo regarding my account, they always seem to have different information contained within my credit and financial records that is not mine and I have notified them of this several times yet more and more information continues to surface, who knows what else they have XXXX  up or added into my financial records with them. I am concerned that their notoriety for inability to maintain data privacy and record security of their consumers is resurfacing again. They have data in my financial records that I am unaware of, did not provide, and have no idea who's it is. I have never had these types of fraudulent data security breach issues with any other home loan except for with Wells Fargo, same type of slimy dealing now with my home loan that happened with my car loan, which is why I choose to never do business with them again. 

I request that my loan be serviced by a reputable and trustworthy financial institution not one that is incapable of ethical business processes and practices. They should have been disbanded the first time the feds came knocking, nothing has changed except they paid fines and it seem like everyone is looking the other way again now
Product: Debt collection

I have tried to delete this account from midland numerous of times. I do not owe midland funding any money. Their policy listed on the website says " per our policy, we will stop credit reporting on accounts that are more than XXXX years past the date of the delinquency so how do i still owe this company. Midland have also ignored my request for validation i sent certified mail ( i have attached the letter ).
Product: Credit card

My Bank of America credit card was charged from something called XXXX  and another company called XXXX XXXX Neither charges were mine. The fixed some of the XXXX XXXX charges along with the finance fees. I do not even have this credit card in my possession. The bank has been deducting finance and late fees and taken money from my checking acct to pay the monthly balance. They said to pay off the debt and close the card and I didnt want to pay for something that was not mine. 
I went to my bank in XXXX XXXX  who in turn told me to call fraud. 

I want them to take off my finance charges, late fees and the other charges that keep appearing on my statements. 

I have been struggling with this for a few years now. 

I am on hold for a long time when I call fraud. When I go to the bank I dont get anywhere either. 
My family is tired of this bank and wish to resolve this issue ASAP. 

Its frustrating when you e been with a bank for years and they arent helping me at all. 

They will not allow me to cancel this Bank of America credit card that I do not have.
Product: Vehicle loan or lease

I don't have a account with Reliable Auto Financial an open account with this creditor is reflected in my credit report.
Product: Bank account or service

my name is XXXX XXXX, my business address is XXXX, florida XXXX, I have an XXXX, on XXXX XXXX, I open a commercial account on bank of America, a week later they close the account with a positive balance of XXXX $ with ought any explanation and refer my account to a risk department, when I call to the phone number that they give me XXXX, they talk me that they will sent me a check with my money, I never receive any check, when I call in several occasion they said that the check was return to them, I was very surprise because I am in the same location for more than XXXX years, so on XXXX XXXX they said to me that they will recent the check to my house, XXXX florida XXXX, again I do n't have nothing in my mail. The only I receive is a bank statement with a XXXX $ balance and withdraw from bank of America of the remainder balance of {$2000.00},. the time past and past today is XXXX XXXX 2015. also I went to XXXX of the location of bank America, and XXXX of the employee, that call the risk department on XXXX XXXX, that now I have to wait XXXX months, and if I like or not I have to wait. I ca n't believe that even do a bank can close an account with out any notification they cant take my money that was money for the salary of our employees, I need my money as soon as possible and really I hope that you can help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on bankruptcy since XXXX and never was late with my payments. ANYBODY knows if you are late with payments the way they have it listed on my report my bankruptcy would be dismissed and the creditors would have reposed my car and my house would have been foreclosed. I paid my house off XX/XX/XXXX and now my car has one more payment which is due next month XX/XX/XXXX so that explains I was/still not or never late for any payments. You can not be late with payments. On XXXX, Experian and XXXX their dates are not the same as me being late. I don't know where and why they would think I would be late for bankruptcy. You can not be late for bankruptcy. I do not think the credit bureau even tried to fix the matter when I disputed. I filed the dispute XX/XX/XXXX. I received an email today XX/XX/XXXX it remains the same.
Product: Debt collection

XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with.
Product: Vehicle loan or lease

on XXXX XXXX  i purchased a XXXX XXXX XXXX  from XXXXXXXX XXXX  which was financed through credit acceptance for {$27000.00}. with a 72 moth payment plan of XXXX. But i did not know that the dealer who i bought the car from added extended warranty, gap insurance, and roadside assistance, which added almost XXXX in extra to the amount being financed plus interest. on XXXX XXXX i called credit acceptance to get those extra items removed. They removed those extra items from the original amount financed but said my monthly payments would still be the same. I asked how is that possible when almost XXXX in extra charges were taken from the original loan amount, I was told that i would just be paying the car off early. i explained to credit acceptance that the contract is for 72 months, how can that be changed. i was told that i would just be paying the car off early. I explained to credit acceptance that at this time i do not wish to pay the car off early and would like my monthly payments to be adjusted to what the contract says which is 72mnths of payments for the amount financed i told there is nothing that can be done. This is clearly a breach of the original contract by forcing me to pay the loan off early than the agreed upon time frame that the loan is to be paid back and i will be getting legal counsel with this matter it just doe not feel right to me
Product: Credit card

I received an email notification about a credit inquiry on XX/XX/year>. The inquiry had been made on XX/XX/year>. I contacted XXXX immediately and placed a fraud alert on my account. The inquiry was from Capital One, so I called them to investigate further at XXXX on XX/XX/year>. 

When I called Capital One, I followed the voice prompts and provided my Social Security number and date of birth. The automated system informed me that there was an account under my name with a {$3000.00} credit limit but a XXXX balance. I navigated through the system until I reached a live agent. 

The agent opened a fraud investigation on the account. I requested that the account be closed and provided them with my address, phone number, and other personal details. However, they refused to close the account. I asked how long the process would take, and they informed me it would take 60 to 90 days to complete. 

I also requested written confirmation or a recording of our conversation, but they refused. Instead, they said they would contact me if they had any further questions.
Product: Mortgage

I was approved for repayment plan dated XX/XX/XXXX. 
After I completed my repayment plan XXXX, they said my unpaid balance {$17000.00} is due on XX/XX/XXXX. I ask why because the letter said " Payments made under this plan will be applied to amounts due and past due on your account as necessary to bring your account contractually current. " ( please see attached letter ). 
When I call them, only they can do is give me 6 more month of forbearance program. 
Which currently I am on.
Product: Bank account or service

I applied for a business loan with Wells Fargo Bank, all went well but as part of the interview I was asked if I was interested in other services and offered the credit card payment processing service. It was all to quick and I agreed. At the end, I was charged {$730.00} for the POS unit and services, that shortly after I left the bank, I received several offers form other banks for the same service with no obligation to PURCHASE nor rent the POS machine. I feel that Wells Fargo, misrepresented the service to me. Yes I agreed to a contract which they referred me to when I called asking for help. I feel that other non-suspecting small business owners in their heist to open a business may not be aware of the consequences of accepting the services offered by Wells Fargo Credit card processing. I seek help in recovering the funds and return the unit to them in the same conditions as I received it. I made several attempts to resolve this with the sales person in charge to no avail.
Product: Debt collection

I XXXX XXXX, XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX does hereby state for the record that Wells Fargo Bank , N.A . is in violation of my rights under the Fair Debt Collection Practices Act for trying to extend the timeline of a judgment that is no longer enforceable from the original state where it was procured. All documentation to my complaint is attached, proving that a foreign judgment, although enforceable from XXXX, the terms of the judgment validity still is maintained in the original state. Without exception, the XXXX judgment was filed in 2008, and under terms of XXXX General Laws was only enforceable for five ( 5 ) years, unless the judgment was renewed. In this instance, the judgment was never renewed, even after Wells Fargo through legal representation filed a foreign judgment in the state XXXX. XXXX has a ten ( 10 ) year timeline of judgments being enforceable, XXXX has a five ( 5 ) year timeline. The timeline is not extended because XXXX has different guidelines for judgment enforcements. If filing foreign judgments in states that have a longer enforcement guideline were legitimate to extend the life of a judgment, then banks would file foreign judgments XXXX, where judgments are enforceable for twenty ( 20 ) years. The logic of Wells Fargo may look good on paper, but I have attached the necessary exhibits to prove beyond a doubt, that Wells Fargo is re-aging a debt validation from state to state illegally. The XXXX judgment is no longer valid, which equates to the XXXX judgment now being invalid.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax, XXXX, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked. 

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. Equifax, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

( ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I had a dispute with discover for credit card fraud from identify theft where someone rented a vehicle in my husbands name and charged it to our credit card from XXXX XXXX. I opened a dispute with discover who told me the claim was denied despite this being identify theft and despite me letting them know I was in contact with XXXX who advised I must file the claim with them. I reached out on numerous occasions being escalated when asked to provide proof on how this is denied when this is 100 % fraud with no responses. They closed my account sending me my card to collections and never returning calls with information on their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by XXXX I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS
Product: Credit reporting or other personal consumer reports

Report these accounts directly to my creditor as identity theft. I also have an FTC report to where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.
Product: Mortgage

I was told XX/XX/2024 it was paid off. It was paid off back in XXXX
Product: Checking or savings account

XX/XX/XXXX, I cashed out my deceased wife 's IRA. They said they would mail the check. I waited 8 weeks. No check. No call. Finally, my patience wearing thin, I called the bank. I heard a number of excuses ... " I think they lost it '' ... " They probably forgot you '' and the official line after a later call-back was " Some of the paperwork is illegible, so you have to come back in and re-sign some stuff ''. I did so on XX/XX/XXXX. And then waited some more. Two more weeks passed. No check. No call. I called back again and was told on yet another call-back that they " process these in the order they receive them, and sometimes they take time. But I'll put a rush on yours ''. I waited again yet another two weeks. Still no check. No call. I had been dealing with personal banker XXXX XXXX. Now I called YET again and spoke to Sales & Service Manager XXXX XXXX. I was told there had been a issue with the EIN number. I was assured that this would be resolved, " But it will take some time. '' I called AGAIN XX/XX/XXXX and requested that someone call me back with a status update. While on the phone, I was told they " transposed numbers on the documents, but that's been fixed, and we'll get you a timeline. '' No call-back. And of course, still no check. I've been waiting 12 weeks now ...
Product: Credit reporting or other personal consumer reports

Eliminate this from my credit report as quickly as possible!
Product: Debt collection

My bank account was levied for an amount of money that I do not believe I owe, and I can not obtain a copy of the lawsuit or any proof as to why my account was levied.
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 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 this violation
Product: Credit reporting or other personal consumer reports

I have attempted to resolve inaccuracies on my credit report by submitting disputes to XXXX, Equifax, and XXXX, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the 30-day response time for investigating disputes, which was not followed in this case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.
Product: Payday loan

I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.
Product: Credit card or prepaid card

I received a US Bank reliacard in the mail today. I am not unemployed and I did not request the card. Im unable to get a hold of anyone to cancel it and to figure out why it was opened in my name in the first place. I appreciate your help! Im concerned that someone opened an account in my name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there On XX/XX/XXXX an inquiry from XXXX XXXX XXXX ) show on my credit report ( Experian ) that i did not authorized. 
On XX/XX/XXXX an inquiry From ( XXXX ) show on my credit report ( Experian ) That i did not authorized. 
On XX/XX/XXXX an XXXX From ( XXXX ) show on my credit report ( XXXX ) That i did not Authorized. 
My name is XXXX XXXX and ( Experian ) is showing my name as XXXX XXXX XXXX i have never had a middle name.
Product: Credit reporting or other personal consumer reports

I contacted each credit company individually and they all admitted to reporting inaccurate information, and per my consumer rights any information that is being reported inaccurately must be removed. I am now requesting that they remove the following accounts due to inaccuracies being reported, and knowing reported by the credit bureaus. The credit reporting agencies are not designed to violate my rights as an indiviual and they are currently in violation of several consumer protection laws. I have tried to have conversations with them about this however they are not in business for the consumer whos report they are furnishing they however are only in the business of credit reporting to make a dollar, and their inability and unwillingness to correct the issues and inaccuracies on my file is going to end up with attorneys being contacts. The following accounts must be removed for inaccuracies on my file. 


in accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  acct # XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX credit union acct # XXXX XXXX XXXX XXXX  acct XXXX XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/AIDVANTAGE acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX.. These accounts have violated my rights 15 USC 1681 section 602 A. states i have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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.