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

Erroneous information reported.
Product: Checking or savings account

I have been calling chime since XX/XX/year> about my tax refund. I had already contacted the IRS and they have already funded my money into my account XXXX currently on the phone with chime again because the agent hung up on me. So now they are getting upset that I keep calling about my money and they keep hanging up even when I asked to file a complaint.
Product: Checking or savings account

On XX/XX/2022 I was managing my Wells Fargo account, I signed up for a new feature called " direct pay. '' For whatever reason this triggered a fraud issue which locked me out of my online banking. I called on XX/XX/2022 and verified with the fraud department that I had registered for direct pay, despite this I was not given access back to online banking. I was then told that " loss prevention team '' had to review the case. I asked to speak with loss prevention and was essentially told that they dont have phone numbers, I asked the rep to contact them for me and was told that he had no way to do so and I needed to wait 10 days. 

I am at a loss, without knowing how much money is in my account, I cant pay rent, bills, water/power bills. 

I called their executive office, who agreed that this was a bizarre situation and attempted to resolve it. They tried to transfer me back over to the fraud team I persisted and insisted that they stay on the line. The rep confirmed that she had " never seen anything like this '' and there was no hold on my account. 

I really dont get it. I have no issue with Wells Fargo doing legitimate fraud reviews. But this was nothing like that. I verified all information with your staff, and I have never overdrawn, had a negative balance, or done anything remotely interesting with any of my Wells Fargo accounts. 

We all have to demand more from each other. The seriousness of what we do brings tremendous responsibility. Our work has tremendous impact upon people. We need to recognize that and make sure that we're doing everything we can to operate the company to the highest standards of operational excellence. - XXXX XXXX Lets see if Wells Fargo is actually committed to this. I would like a review from the CEO himself to see why I have received such bad customer service and why I have to delay paying my housing/utility bills this month. 

Furthermore I asked Wells Fargo representative, if this was ethical- she replied yes. I will let the CFPB judge here. The representative had the gaul to then suggest I drive >100 miles from MA to CT to manage my bills. I asked for compensation for the drive and time which was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX ( previously late/open ) XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made the minimum payment of XXXX. They are reporting an untrue late payment on all my credit reports. They had me locked out of my account from XX/XX/XXXX until XX/XX/XXXX. I made each minimum payment on time. Please update my credit reports I am in the middle of closing on a home.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account for a " violation of Terms of Service ''. I tried to appeal because I strongly believe I did not do any actions which violated their Terms of Service. They will not provide support to hear my appeal or work with me to understand their reason for this accusation. I believe this account closure was unfair and wrong. 

Not only that, but they send me an email that my account is closed but to " sign in to your Coinbase account to send any remaining balance offsite to an external address ''. However, when I try to sign in, I get an error saying that my account is closed and I can not access anything. I've attempted to reach out many, many times to their support but they mostly provide bots or agents who can not actually help. 

All of my savings are in this account so I am now dealing with incredible financial hardship since Coinbase will not work to get me access to my funds.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to demand immediate correction of my Credit File in accordance with the FCRA. I have made repeated attempts to dispute several account on my report, yet they have been continually disregarded. It is imperative that you promptly investigate this matter as mandated by the FCRA. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. I need my Credit File clean from the erroneous account : XXXX XXXX Balance : {$19000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX in XXXX XXXX, Florida. While I did inquire about financing, I only authorized XXXX credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries. 

The following unauthorized hard inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times. 
Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ). 

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I notices negative accounts on my report that I don't recognize XXXX {$3000.00} contacted on XX/XX/year> XXXXXXXX XXXX {$10000.00} contacted on XX/XX/year> XXXX XXXX XXXX {$570.00} contacted on XX/XX/year> XXXX XXXX {$2400.00} contacted on XX/XX/year> XXXX XXXX {$1800.00} contacted on XX/XX/year> XXXX {$1100.00} contacted on XX/XX/year> XXXX {$3500.00} contacted on XX/XX/year>
Product: Debt or credit management

Around XX/XX/year> I received a Cash App XXXXXXXX XXXX XXXXXXXX XXXX card in the mail, which I never ordered. On XX/XX/year> Cash APP was contacted to report fraud and advise them I never opened an account with them. They refused to explain who regulates them and take a fraud complaint or close the account without me sending photographs. They are putting a burning on honest consumers instead of taking a complaint and investigating or verifying these account are legitimate by contacting the fraudsters and making them verify further or if any veriifcation.
Product: Credit card or prepaid card

I made purchaseson XXXX that was opened and XXXX refused to refund along with my credit card companies refusing to help me dispute. I had video and photos but the credit card companies are refusing to do anything to help
Product: Mortgage

Wellsfargo is a lender that does not help homeowners at all!! 
They have never help me in any way! They dont care if you have all required documents they still dont help! 

Thanks to XXXX XXXX XXXX they save my home! After bringing my home current I had ask wellsfargo to waived my late charges in the amount due of {$2700.00}. Cause my house has been in so many programs and bankruptcy, foreclosed and it shouldnt have accessed late charges the XXXX XXXX  paid the late charges and now the Wells Fargo waived them but since the XXXX XXXX XXXX  paid them we have extra monies of {$2700.00} but Wells Fargo wont apply them to XXXX payments to help me get on my feet! They didnt tell me what they are going to do with the money at all! 
I also want to to take ownership and remove my ex husband since I have had so many problems with this lender! I have all required documentation plus my ex which is the person on the loan is aware and have signed the ocument!!! Why a struggle with this lender!???
Product: Vehicle loan or lease

On XX/XX/XXXX I completed an auto lease with Kia Motor Finance ( via Destination Kia in XXXX, NY ). I thought all was fine, until in XXXX I received a letter from Kia Motor Finance saying that I was {$350.00} delinquent for a last payment that I owed. I immediately called KMF and was told if I paid that debt that day it would not be reported as late to the credit bureaus. 

I did pay it that day, in full, and again thought all was fine. The next month ( XX/XX/XXXX ) I viewed a couple credit scores to see that my score had dropped over XXXX points. I pulled my full reports and saw that KMF did in fact report me as delinquent despite having paid the obligation in full. I at that point also filed a dispute with Kia directly and a month later I have not heard back. I have tried to call their collections and customer service departments and with both numbers get a message saying " this number is not working at this time. '' I also filed disputes with the two bureaus where this shows up XXXX XXXX and XXXX XXXX and XXXX told me as of XX/XX/XXXX KMF still says its an outstanding debt and open line. So I now have two months worth of erroneous delinquent payment marks on what was stellar credit before. 

I don't know where else to turn -- neither KMF nor the bureaus are willing to help. I have fulfilled the obligation and want this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Experian. They are reporting that I was late on my target account which is 100 % wrong. I have never been late the other two bureaus are showing no late payments. I understand that they are all different but when all three are reporting the same account they all should be reporting correctly .I want this late remove my from my reports.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that informed me of several new accounts from Affirm that were created in my name. I have never had an Affirm account and I have never done any business with Affirm. These accounts are not mine and I did not open them. I am a victim of identity theft and I believe these accounts from Affirm are a result of that identity theft.
Product: Debt collection

I 've been getting daily automated phone calls from XXXX ( XXXX XXXX XXXX for XXXX XXXX (? ) for the past week or more. More than half the times I 'm called I do not receive a message. The automated voice system also does not allow me to remove myself from whatever it is without staying on the line and " acknowledging '' I am XXXX XXXX.
Product: Mortgage

In XXXX I entered into a contract to purchase a pre-construction home, The builder had requested proof of my ability to purchase the home and had their own XXXX XXXX provide XXXX XXXX for the 1- unit building where my townhouse is part of the units there. I early XXXX the builder contacted me to provide permanent financing, I was directed to a mortgage broker and they provided a mortgage through a XXXX XXXX XXXX XXXX XXXX, at closing the true lender was not disclosed and it was table funded by XXXX XXXX XXXX. At that original closing with XXXX XXXX XXXX the closing agent and the Mortgage Broker asked that they make copies off all the documents and I would be provided copies at a later date. The later date came and passed and I never received any of my closing document including the TILA and RESPA document regarding my options to cancel the mortgage. I had made numerous attempts over the next several years to obtain any of m, y documents and finally received a portion from XXXX in XXXX and fromXXXX in XXXX. After making the first years payment all on time I received a new type Payment coupon fromXXXX homes with a multi payment option AKA " XXXX XXXX XXXX ''. After making my payments for the first year to XXXX I file a rescission demand letter via US Certified mail to Both XXXX and after received only verbal response from XXXX they directing me to contact XXXX  I sent two Rescission Letter to them also. none of these entities ever filed an law suit to cancel the rescission letters. I only received one letter about two month later fro XXXX XXXX XXXX that they were not honoring my request. I tried to sue them for fraud since the entire country at that time had been raising issues about the Mortgage industry and their actions that crashed the entire financial markets. In early XXXX I was told able a similar case to mine involving the same company XXXX XXXX XXXX that the US Supreme Court ruled that Rescission was effective upon mailing. I also found the same facts in that case were very consistent to my matter. I 'm representing my self in this matter and would like to have some help and assistance from you Bureau. I 'm a senior citizen and have been XXXX for more that 8 years. Respectfully, XXXX XXXX XXXX. E-mail XXXXXXXXXXXX contact number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't make my mortgage payment due to COVID and worked with XXXX to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
Product: Debt collection

i lost all XXXX of my jobs and lost XXXX relatives. i am deeply affected by the pandemic and my employer is not allowed to open yet because i work for XXXX  and XXXX XXXX in XXXX XXXX. i was able to sign up for 120days of deferred payment with service finance. but i still cant pay them to this day, i still dont have a job and the governor is still not allowing my employers to open. i called service finance to try to sign up for more time in deferred payments. they said they cant help me. i also asked for a hardship assistance, i asked that maybe they could help me out but they told me that they have absolutely no help to give and there is no hardship assistance they can help me during this covid-19 pandemic. i dont know what to do. they will ruin my credit report and charge me late fees. Service Finance Company LLC have no heart. they expect people be back to be miraculously back to normal after 4months. this covid-19 pandemic took so many people and i lost all XXXX of my jobs. they dont even offer any hardship assistance. they wouldn't care if you'll want you to kill yourself.
Product: Credit reporting

They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The XXXX identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are 2 instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section XXXX. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet XXXX still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with XXXX XXXX ( XXXX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies XXXX XXXX XXXX XXXX, Equifax Grounds for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with XXXX showing {$1400.00}, XXXX showing {$0.00}, and Equifax showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting.

Missing Information : The " Account Type - Detail '' for Equifax is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information.

Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits misleading information.
Product: Debt collection

I was an employee with XXXX XXXX XXXXXXXX XXXX XXXX in XXXX and became a tenant at XXXX XXXX XXXX in XXXX of that year. My roommate, XXXX XXXX, moved in at the same time. My regional manager, XXXX XXXX, stated that she would terminate my lease if I decided to end it early, due to my employment status. I opted to move in with my partner in XXXX, and informed XXXX that she would need to vacate if she did not qualify to remain in the apartment. I surrendered my keys to leasing consultant, XXXX XXXX, on XX/XX/XXXX, and gave him my forwarding address. XXXX was aware of this forwarding address for at least a month before I moved into my new home, and we had numerous discussions about the town/neighborhoods, etc. Several months later, in XXXX of XXXX, I received a letter from the company informing me of an {$18000.00} debt. I deduced that my roommate refused to leave and needed to be evicted. I reached out to XXXX XXXX, XXXX XXXX via email, and received no response. I reached out to XXXX XXXX by phone, and was informed by an assistant manager that legal letters were sent to my last known address and any problem receiving them on my end had to do with the post office. According to her, my last known address was within XXXX XXXX, and the company had directed its attorney to send notices of delinquency to my old XXXX XXXX address. In addition to giving XXXX my new address in XXXX, I changed my official address with the post office at that same time. Additionally, XXXX used an attorney, XXXX XXXX, to file this complaint against me. However, XXXX and I worked closely together at my new company, and despite very frequent contact, she never informed me that she was suing me. Due to the above information, I intend to dispute this debt.