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

Wells Fargo Bank opened a credit card account without my daughter 's knowledge and her husband racked up over XXXX XXXX dollars in debt. 

She divorced and is now purchasing a house. She went to Wells Fargo and they asked to pay off this debt. On XX/XX/2022, my daughter and I paid her account off in full. We were both told that in 5 days we could ask for a letter stating that the debt was paid in full. 

The check cleared for the full amount on XXXX XX/XX/2022. On XXXX, XX/XX/2022, Wells Fargo bank refused to issue the letter because she had a balance of XXXX XXXX She paid in cash and was given another receipt her debt was paid in full again. She was immediately informed that they now needed 45 days because the cleared check was not proof of payment, cash, or that any bank could pull the money after the check has cleared. 

I need a letter from Wells Fargo showing that this debt is paid in full and XXXX balance is due. 

Because she is buying a house this refusal will cost her an additional {$2800.00} in additional closing costs and a higher interest rate will be assessed against her loan. 

This is outrageous, and need to meet with all the players personally to give them each a XXXX in business. 

Second, this account was part of the Wells Fargo ghost accounts which Wells Fargo already paid XXXX in fines. I wish to be reimbursed for the added closing costs and added interest over the lifetime of the loan. 

I also need to know why Wells Fargo keeps making up illegal policies in this country. 

I demand to be made whole in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting that I am ( 120 ) days  late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Vehicle loan or lease

Hyundai capital America has reported that I owe a remaining balance of {$980.00} for the Hurricane Flood that totaled the car and I had Gap insurance along with full coverage. There should not be a remaining balance due and it is false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I had a Money Wire transaction last XX/XX/XXXX with the Wire Transfer Date of XX/XX/XXXX from my Chase Bank Account to Bank Account ( XXXX XXXX XXXX ) of my Parents in the XXXX.
<P/>
Banker XXXX XXXX has promised to have the money transferred in the next 24-48 hours only. However until XX/XX/XXXX - Date Funds will be available to recipient, the money was still not transferred. <P/> I followed up XX/XX/XXXX and call the Chase Bank Office branch in XXXX in Oregon ( XXXX XXXX ) and found out that the transaction was rejected with no reason or no notifications on my end or whatsoever.
<P/>
I am writing this complaint since this unpleasant service are very impacting on various aspects : 1. My Loan payment in XXXX is now overdue and gaining interest day by day, 2. Part of my money transfer are for my remittances for the basic consumption of my aging parents - medicines, food, house rent.. and lastly 3. It takes a 2 hour commute back and forth for my Parents ( both are in XXXX Years of age ) to go to the bank. They went 3 times last week - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however fund was still not available causing unnecessary stress and waste of time.
<P/>
Requesting for investigation why I am not notified on time.
Product: Money transfer, virtual currency, or money service

I posted a graded sport card lot on XXXX on Wednesday, XX/XX/2021, and XXXX happened to messaged me about the cards. He said that if the cards were still available and I said yes. After that, he wanted me to text him through his phone number so he can negotiate a deal for me. First, XXXX was asking me what's my final asking price for the trading cards, and I said {$500.00}. Keep in mind that the trading cards that I sold to him were worth {$200.00} total. So, XXXX " agreed '' to do {$500.00}. However, I received this email from XXXX and they showed me the confirmation of XXXX sending me {$500.00} plus {$50.00} for the shipping so I can send the trading cards to him. I assumed that the email was from PayPal because it had a PayPal logo and they formatted the receipt on the email just like PayPal. The next day, I went to a XXXX store to ship out the trading cards and XXXX wanted me to ship it out Next Day Air. The shipping cost me {$58.00} and I gave XXXX the tracking number of the package because he wanted me to give him that as well. The next day, the email, XXXX, told me that if the funds of {$550.00} were to be transferred to my PayPal account, I have to sent pictures of me buying {$500.00} worth of XXXX cards. I did that and then I received another email from them saying that " apparently, the buyer sent another {$500.00} by mistake, so in order to get my funds, I have to sent pictures of me buying another {$500.00} worth of XXXX cards. And now, the package is already sent to him, so I can't get back the trading cards and my money back on the shipping. I also lost another {$500.00} because I bought XXXX gift cards with them, and I can not return them to the store that I bought it from because all sales are final. I also can't use the XXXX gift cards myself because I tried to test it out buying an item on XXXX in case XXXX may have used all of the money on those gift cards, and it turns out there is no money left on the cards. I am really mad and frustrated about this situation, so if you guys can help me out, that would be great. In total, I lost {$750.00} from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  XXXX and transunion ( XXXX ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

( XXXX  ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
( TRANSUNION ) 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically XXXX XXXX XXXX XXXX XXXX XXXX  as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CHASE MTG and DPT ED/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, CHASE MTG and DPT ED/XXXX with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Account name- XXXX XXXX XXXX XXXX XXXX Account # XXXX ), ( Account name- XXXX XXXX XXXX XXXX XXXX Account # XXXX ), ( Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX ) ( Account name- XXXX  XXXX XXXX, Account XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Dear Team, Im writing to formally complain about Coinbases handling of my account review and their refusal to let me withdraw my own money, which is in the amount of {$950.00}. 

Five days ago, Coinbase informed me that my account was under review. They said, Account reviews usually take a few days. During this time, you wont be able to trade XXXX  or withdraw funds from your portfolio. However, its been longer than that, and I still cant access my money. I reached out to their customer service two days ago, they told me they will expedite my review process, but still have not heard anything back from them yet, and my account is still under the review. 

This raises some serious concerns : Why is my money still locked up past the review period? 
What exactly is happening with my funds during this time? 
It is unacceptable for Coinbaseor any financial institutionto restrict customers from accessing their own money without clear communication or a fair timeline. I need answers, and more importantly, they should let me withdraw my funds back to my original payment method immediately. 

In addition to this, I have recently come across information that Coinbase disproportionately prolongs the account reviews of customers from certain nationalities. If this is true, it raises serious concerns about potential discriminatory practices. I would like to know if there is any investigation into whether Coinbase is unfairly targeting individuals based on nationality and whether this violates any consumer protection or anti-discrimination laws. 

I am requesting that your office look into this issue and hold Coinbase accountable for how they handle customer funds during these so-called reviews. I would appreciate a response as soon as possible, as this situation is causing unnecessary stress and financial inconvenience. 

Thank you for your time. I look forward to hearing from you soon. 

Best regards,
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accor

ding to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or un
verifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

I started school online in XX/XX/XXXX with XXXX, I received a grant and a loan supposedly. As a matter of fact, I have several loans but do n't know how ...? I only went for an XXXX and finished it in XX/XX/XXXX. But since then I have n't been able to make the outrageous payments they are asking of me. I have begged them over and over for help, for the most they helped me at first but now they have tacked so much interest and stuff on my loan I will never be able to pay it. I only make XXXX a year at the most and I am a mother of XXXX. The loan is so expensive and they are ruining my credit, the only thing that I do have left. I ca n't even use my degree here in Arkansas because the college I went to is n't an accredited college and they were under fraudulent doings. So I do n't know what to do .... I am currently stuck with over XXXX XXXX dollars in debt to a college that is no longer in good standings and has law suits against them. Please help me if anyway you see possible. I appreciate your time and any advice you may have.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effectively immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX - {$2100.00} Date XX/XX/XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX - {$2700.00} Date XX/XX/XXXX
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 procer 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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Chase Banks handling of a fraudulent check transaction that has yet to be resolved. 

Background : I issued a check to my mortgage bank and mailed it. Unfortunately, the mail was stolen, and an individual intercepted the check, altered it, and created a fraudulent check in the amount of {$2100.00}. Chase subsequently processed this fake check. Upon discovering the unauthorized transaction, I promptly contacted Chase. 

Timeline of Events : In my initial calls to Chase, I was assured that the case would be addressed and that I would receive a reimbursement within ten days.

After ten days had passed, I followed up, but Chase informed me they needed more time and promised the funds would be returned by the end of XXXX. 
On XX/XX/XXXX, I contacted Chase again, but I was asked to send a picture of the original check and was again told more time was required for further investigation. 
Despite Chase acknowledging that the person responsible is a Chase client, and it being evident that this was a fraudulent check, the bank has delayed returning my funds. I believe that Chase should have reimbursed me while they continued their investigation rather than delaying restitution, especially given that the fraud is clearly documented.

I am requesting CFPBs assistance to ensure that Chase promptly refunds the {$2100.00} and resolves this issue. Chases prolonged handling of this case has been stressful and has impacted my financial well-being. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/2022 southwest credit systems put a collection on to my credit but never sent me a Validation notice Via Mail or electronically.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX and Transunion are violating my rights. I am not on that account, I was long ago removed from that account last year and, I was only an authorized user on another individuals account. This was not my account. I was removed from the account when account was in excellent standing. Transunion is reporting false incorrect information regarding a charge off of {$3000.00} from XXXX  XXXX XXXX. This is an illegal attempt to keep my credit scores down and report false info to damage my credit. I am not part of this debt, liable for this debt, on this account or involved with it. This is definitely not the 1st time XXXX  XXXX XXXX has tried to use its power to illegally rob a citizen like they were above the law. They should be fined for obvious illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost every day, a collections agency keeps reporting the same wrong collections to XXXX  and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power MIDLAND CREDIT collections which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several fraudulent items.