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

My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CDA-Certificate of Deposit, Passbook Account XXXX XXXX, XXXX was bought by Wells Fargo. My mother Died on XX/XX/2018. I believe the account was never closed. I contacted Wells Fargo to collect the funds and they have been stone walling me and say that they don't have the account. They have basically stolen the funds from my family. I have talked to a dozen people at Wells Fargo. They say they will call me back the next day and Never do. They lie and say they are doing things to find out the documentation but Never do! I have set up multiple case numbers for them to find out what happened. The latest was XXXX # XXXX. The last gentleman I talked to said his boss told him to tell me my next step would be to sue them. They have stolen at least {$15000.00} I need your help with this Horrible so called bank Wells Fargo! My name is XXXX XXXX, XXXX, XXXX. I am the son of XXXX XXXX. I am listed as a XXXX on the account.I am the XXXX of the will. Wells Fargo refuses to pay out the passbook savings account! The Criminals Wells Fargo sent the CFPB a cover their but letter that said NOTHING and for some reason the CFPB closed the review. This needs to be OPENED and the Wells Fargo CRIMINALS need to be brought to Justice Now! 
XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax on-line account still has wrong information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692 ( g ) Dear Equifax, XXXX, XXXX, and XXXX I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau ( CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXX and XXXX, XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : 1. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud.

2. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft.

3. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud.

I kindly request the following : 1. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft.

2. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report.

3. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law.

4. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation.

Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter. 
If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach causing fraudulent accounts and information to appear on my credit report making my credit decrease tremendously. 

XXXX XX/XX/XXXX inaccurate information XXXX XXXXXXXX XX/XX/XXXX fraudulent account hard inquiries -- -XXXX XXXXXXXX auto finance XX/XX/XXXX consumer portfolio sec XX/XX/XXXX XXXX financial XX/XX/XXXX credit acceptance XX/XX/XXXX noncom/auto land sales XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 accounts and inquiries I did not authorize, please delete them as they are affecting my life.
Product: Debt collection

I opened my XXXX account and my score had went down. It said I had a new creditor on my account. 
The creditor is Credence Resource Manage for the company XXXX XXXX for {$400.00}. I didn't know what XXXX XXXX was. I looked it up and it said an internet service. But some other options came up. I'm not sure where to call this company. I have never used this service. I use a local internet service. I did dispute it. But I think someone has used my information. I just don't want it to continue. I've been trying to build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXXXXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX : Account No. is XXXX ( {$89.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$1900.00} ), XXXX XXXX XXXX XXXX , Account No. is XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$290.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$130.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX : Account No. is XXXX ( {$530.00} ), 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Dear CFPB, Back in XX/XX/2018 I made an order online and the merchant is oversea however I had not known the real name of the seller until I received the confirmation of the order in 30 minutes after I placed the order I absolutely regretted about my order with the merchant because I was disappointed about other order that I made before XX/XX/2018. After I received the confirmation and I knew the real name of merchant I contacted the Paypal credit about the problem I got with the merchant because I wanted to make Paypal credit know that if I got wrong item I would return them with merchant return/shipping cost. Later I received another confirmation from merchant once items shipped with items details and there were wrong size items this was my second time got trouble with the merchant. 
Why I mean the merchant real name above because my second order with XXXX   they are holding fake name ; they are same as one with my first order. Then I received package a month later and I returned it back however I did not open package because I knew they were not ones I want. I made dispute with Paypal credit but they keep asking for my responsibility to this purchase. I do not think it is right. I am seeking for your help and I look forward to receiving your response. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reach out to these companys to see who asks them to pull my credit report. These are unauthorized. 

XX/XX/XXXXXXXXXX/XX/XXXX,2023 XX/XX/XXXXXXXX2023 XX/XX/XXXX XX/XX/XXXX,2023 XX/XX/XXXX2023 XXXXXX/XX/XXXX,2023 XX/XX/XXXXXXXX XX/XX/XXXX,2023 XX/XX/XXXX,2023 XXXX XX/XX/XXXXXX/XX/XXXX2023 XX/XX/XXXX,2023 XX/XX/XXXX,2023
Product: Credit card or prepaid card

Good evening, On XX/XX/XXXX, I called the Apple Card-Goldman Sachs - Credit card company to report unauthorized transactions on XX/XX/XXXX. Somebody used my card or my information without my permission. The amount was {$600.00} from Apple Services ( merchant ). The agents refused to help me and keep transferred me to Apple support ( Merchant ). On the 4th call, I already told them that I was not calling Goldman Sachs to be transferred to Apple-customer service ( Merchant ). They keep asking me again that did I tried to work out with Apple ( Merchant )? I told them yes and the reason I called Goldman Sachs is to investigate the unauthorized transactions on my credit card account. It was not me make those purchases. She keep me on hold, she said that she need to talk with Apple customer service ( Merchant ). After 40 minutes, she disconnected. I am very unhappy with the result, Goldman Sachs never call me back regarding about the case at all. Goldman Sachs which is my credit card issuer should be on my side when there is a problem about my card. They did not take any step forward to protect their customer like me against fraud.
Product: Debt collection

CRA violation. I have no knowledge of the fraudulent accounts on my Transunion credit report. FTC report no. is XXXX.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Unauthorized Credit Inquiries I recently reviewed my Experian credit report and found several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and financial stability. 

Additionally, my personal information was compromised in the XXXX Data Breach, which increases the likelihood that these inquiries resulted from identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) XXXX, Experian is required to ensure that hard inquiries are authorized by the consumer. 

I disputed these inquiries with Experian, requesting proof of my written authorization. However, Experian has failed to provide any documentation proving that I consented to these inquiries, nor have they removed them. This failure constitutes a clear violation of my rights under the FCRA. 

Unauthorized Hard Inquiries on Experian Report : Creditor Name Date of Inquiry XXXX ) XXXX of XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Dealer XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX of XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XX/XX/XXXX 2023
Product: Credit reporting

I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
Product: Checking or savings account

Urgent Assistance Needed : Unexplained Block on Bank Account To whom this may concern, I hope this message finds you well. I am reaching out to you today with a sense of urgency regarding the block on my bank account. 

For over 30 days now, my account has been inexplicably blocked, and despite numerous attempts to seek assistance, I have been met with frustrating obstacles and no resolution in sight. I have made over 20 calls to your customer service line, only to be told repeatedly to wait for a letter that never arrives. 

While I continue to receive statements, cards, and even some checks that I did not order, the crucial letter explaining the reason for the block is conspicuously absent. Today, I spoke with a member of your team who admitted that she could not identify any issues with my account. Yet, the block persists, preventing me from accessing my hard-earned money and fulfilling my financial obligations. 

As a working individual with bills to pay, this situation has caused immense stress and hardship. Each call to your customer service line entails waiting on hold for at least an hour, further exacerbating the frustration and inconvenience I am experiencing. I did speak with someone with their XXXX unit at XXXX and was given this case number XXXX. 

I implore you to please take immediate action to rectify this situation and provide me with clarity on why my account has been blocked. I rely on these funds to meet my financial responsibilities, and the continued blockage is untenable. 

Your prompt attention to this matter and swift resolution would be greatly appreciated. Please do not hesitate to contact me at XXXX to discuss this further or provide any necessary information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Im filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have received. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union, where transactions settled with insufficient balances despite initially available funds. These transactions are unfair and should request an investigation in my account transactions, I have been a member since 2016.
Product: Debt collection

I received notification via a debt collection email for XXXX XXXX XXXX and Credit Control LLC pertaining to a debt owed to XXXX for an account that was closed in XX/XX/XXXX. I requested from both debt collection agencies itemized statements for charges dating back to XXXX and neither provided the documentation for that time frame. I received statements dating back to XX/XX/XXXX from Credit Control LLC in regards to the account but they are not itemized and do not show what the charges were for dating back to the account closure in XXXX of XXXX. I have also undergone numerous credit checks and background investigations to which no derogatory information had come up for an account in arrears from XXXX. I dont know how XXXX can get away with sending in a debt collection when I received no documentation from them stating there was a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I have no accounts with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my XXXX credit report
Product: Credit reporting or other personal consumer reports

Was checking in on my Credit report and I seen that I had a collection from a company By the name of Jefferson capital. This is the second or third time XXXX has sold my information to a 3rd party. XXXX and XXXX XXXX both notified me and didnt report this due to this same situation XXXX never notified me neither did this Jefferson Capital by mail email or phone.Ive never done business with Jefferson Capital and never gave permission to obtain my personal information and would like this take off again I went to file a FTC Report and it transferred me here.I spoke to a Supervisor at XXXX and she explained for me to file this report cause one of the other employees was misleading me with the information he was giving me and she agreed with everything I explained to her. I spoke to her on XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On behalf of Wells Fargo Bank cases, my husband and I had our house in foreclosure on XXXX  and we lost it cause they didn't gave us options. 

Also I had a scam that they charge me the amount of XXXX and froze my husband account because of it.
Product: Credit card or prepaid card

Capital One has sent 2 prequalified offers for Credit Cards in different periods of time, and both of them have been rejected, causing a huge decrease in my credit score. 

It looks like Capital One is using supposedly prequalified offers as regular advertising emails without caring if those offers are later on rejected. This is especially problematic because I already have a Credit Card with Capital One, so they already have my information, and it does not make sense that they keep sending me prequalified offers that are rejected.
Product: Credit card or prepaid card

My card was stolen and I called to report fraud and they took the charges off but put them back on. I never had the card or made those purchases. I did go to the precinct and gave the police the information but they didnt do anything about it. I need these fraudulent charges removed and I contacted the bank many times they arent doing anything.
Product: Checking or savings account

XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXhas 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.