23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been going back and forth with Wells Fargo for about two years trying to do a short sale on my home. Throughout this entire time the bank has made mistake after mistake in handling my account. They came back time after time asking me to provide information and documentation that I had already provided. They called XXXX over and over again even though I told them to cease and desist communication with him as he has medical issues preventing him from being able to comprehend such issues. Now we are finally to the point that things are moving in the right direction and we have been approved for the short sale. We have the buyer inspector coming on the property however when he comes he is making request for me to repair and fix things. I am more than happy to do so however he is making it difficult because when I fix the things that he asks me to fix he comes back and asks for me to fix more things. I 'm doing everything that I can do to work with Wells Fargo and now that we are finally at the point that we could possibly close on the house and move forward I receive word that the bank will not grant me any more extensions on the short sale. I can not believe that after all that they have done to me and my family over the last 2 years that they can not partner with me to finalize thing and give me the time needed to get the house closed. This WOULD have been do n't months ago should there have been a confidant employee handling my account in the first place. I am now so overwhelmed trying to work with this mess of a company. Every mistake that this company has made has taking so much time to fix and all I 'm asking for is the time that I need now to complete what should have been completed MONTHS ago! I 'm shocked that this company would rather sell this house at auction rather than getting the fair market value for the property. At this point I will be contacting an attorney to investigate the way my case has been handled and pursue legal action against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

On XX/XX/year> I sent out a cease and desist letter along with a validation of debt letter to Midland Credit Management Inc. I received the domestic return receipt on XX/XX/year> with a signature stating that somebody working for that company had received my letters. It is now XX/XX/year> and I still have not heard back from Midland Credit Management Inc on whether they have validated the debt. They have not provided me a contract with my wet signature either. This debt is not mine and I expect it to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt. 

This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX respectfully send email to CFPB and report incident. 
XXXX XXXX, I found the lists of XXXX XXXXXXXX and XXXX XXXX in my name. 
Which I have not created nor had any other Accounts in/on Venmo. 
On XXXX, XXXX XXXX XXXX Addresses recent Data set to release in Dark Websites. 
Without my consent and permission
Product: Mortgage

Talk with bank of america, why my monthly payment since ( XX/XX/XXXX ) not reported to credit agency.Did file bankurpt chapter XXXX .Six years ago .late mo.found all this was happen when trying to refinance loan, No credit history.The bank said no reaffiartion agreement, But send a copy of it to bank ( XX/XX/XXXX ) since then bank said will take 10-12business days.Now bank said not file with county.working on it no time limit.All my paper work on file .Its like nothing is being done
Product: Checking or savings account

On XX/XX/XXXX my landlord recieved an check from Bank of America XXXX XXXX XXXX XXXX XXXX in the amount of {$1400.00} and this value was removed from my checking account overdrawing it into a negative status. 

The checked bounced when my landlord attempted to deposit the check on XX/XX/XXXX. 

I called the bank and I was told they were retrying the payment and the check would clear into my landlords bank account within XXXX business days. This never occurred. 

My checking account was brought into balance of {$6.00} on XX/XX/XXXX when I added funds from my paycheck as a deposit. That same day the bank sent me an email stating that a stop payment was placed on the check on XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX the funds for the check in the amount of {$1400.00} remained out of my checking account. 

XX/XX/XXXX - XX/XX/XXXX I made XXXX different calls to Bank of America XXXX XXXX asking for help without resolution. I was told to call Bank XXXX XXXX XX/XX/XXXX and when I did they claimed they did not have any information for me and they accused my landlord of " pocketing '' the funds. When I explained that my landlord sent me financial documentation to prove the funds were never recieved the employee refused to address the matter further. 

XX/XX/XXXX I was told an Bank of America " XXXX  '' would call me to fix the situation and an offical dispute case was opened. XXXX XXXX called me on XXXX  and left a voice mail stating to call him XXXX  but that " my information '' did not match the information he had, I did attempt to make contact with him on Bank XXXX XXXX XXXX and by calling the number he provided but I was not able to speak to him. I was also told I would receive the funds back as a temporary credit but they could not tell me when. 

Today is XX/XX/XXXX and I called once again to Bank XXXX XXXX XXXX. XXXX from New York spent an hour on the phone with me. He stated he called XXXX the vendor Bank XXXX uses and they referred him to Bank of America XXXX XXXX Department which is closed today XX/XX/XXXX. 

Today XX/XX/XXXX the funds have not been paid to my landlord nor returned to my checking account. This has placed myself and my XXXX children at risk of loosing our home due to a bank error which can be fixed easily with a temporary credit while the bank reviews the errors which caused the fund not be returned. I have spent approximately XXXX hours attempting to resolve this via phone call. 

Essentially the bank has stopped payment on a cashiers check, taken the funds from my checking account, and refused to return the funds to my checking account for the past XXXX weeks.
Product: Credit reporting or other personal consumer reports

These can be combined. On my credit report, you have shown incorrect accounts that should not be there as well as inaccurate info. this is not only unfair to me, but it is also concerning, because I've never done or made any of the things you have accused me of. If you don't look into and remove these accounts, I'll take legal action against you.
Product: Credit reporting 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 : # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer. 

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

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 reporting, credit repair services, or other personal consumer reports

My credit information was compromised by Equifax on XXXX XXXX and they waited to inform me. I have never given permission for the information Equifax possesses to be maintained and so this security breach severely compromises my identity and credit worthiness. This is unacceptable. This company also sold stocks between the date of the breach and consumer notification which reeks of possible insider trading. Please investigate this company and hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

i recently pulled my consumer report from XXXX XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis XXXX XXXX XXXX XXXX, CREDIT COLLECTION SERV/ $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Coinbase Company said I XXXX XXXX. XXXX had insufficient funds to buy crypto currency. I have a balance of XXXX for this day, and Coinbase withdrew XXXX, XXXX, XXXX, XXXX, XXXX, for a total of XXXX withdraws of my funds on this day. There are no insufficient funds, this is an error on Coinbase. I need Coinbase to put my funds back into my XXXX XXXX XXXX bank account. I have provided Coinbase with my bank statement for XX/XX/2021 showing withdrawal of XXXX, and no insufficient funds. The easiest way to look at what happened is to look at my XXXX tokens wallet history. On XX/XX/2021 I converted XXXX  to XXXX tokens. This gave me a total XXXX tokens of XXXX in my wallet. Later in the same day Coinbase XXXX from my bank account, but no tokens for the payments. My XXXX tokens balance is still at XXXX, given no tokens for the XXXX taken out of my bank account. the XXXX would have brought my XXXX tokens wallet balance of over XXXX. My XXXX wallet tokens balance is still at XXXX to this day. Coinbase Company refuse to resolved this problem.
Product: Checking or savings account

My chime checking account was closed by chime due to a violation of the customer agreement contract. They didn't give me an opportunity to retrieve my funds from my account before they closed it and won't allow me to collect the money from the account. Idk exactly how much was in there but it should have been several thousand. Thanks in advance for any assistance in this matter.
Product: Credit reporting

I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my savings account was fraudulently taken out without me knowing for {$10000.00}. Usbank wired a person without my consent because they thought I did it. I not knowing I have gave a fraudulent person a code when I thought it was a company I was working with, XXXX. So it wasnt until the bank contacted me XXXX days later asked if I ok a wire transfer for {$5000.00} and I said no. Then they asked if I okayed a wire transfer for {$10000.00} and I said no. It was already gone the {$10000.00} once you do that its irrevocable. The bank said that they are not responsible for the transaction that I gave a code to this fraudulent person that they are not covering my lost. I didnt know this would happen to me when I thought I was dealing with XXXX  but it wasnt XXXX  it was fraudulent person hacked into the company and got my phone number to make that happen. I want my money back. This is not fare Im retired and depend on that money for my retirement.
Product: Credit reporting

I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Product: Checking or savings account

Someone got a hold of our account information and set up ACH to withdraw from the account. They kept the ammounts low so it did not trigger the 'large withdrawal ' warning and could make several withdrawals a day. This went on for months before I finally caught it yesterday. Chase will not refund any transactions over 60 days of when I reported it. I'm a victim of identity theft and according to the bank if someone else gets my account number again, the same thing could happen. This seems like a really unfair burden for the indidividual consumer to handle given the sophistication of professional fraudulent organizations. I try to check my statement every month but the past few months I had some issues come up, I realize looking back how vulnerable I and so many other consumers have always been and it feels like our banks could be protecting us more given their expertise in this space. I don't know what to do and thought to report it.
Product: Credit card or prepaid card

I received an email from Chime indicating that I had opened an account. I did not. I received another email stating that my account balance was getting low. The next day I got another email saying my new card was on the way. I sent an email to the customer service email letting them know I did not open an account, and that they needed to close this right away. I did get emails back stating they were closing the account and blocking it from being reopened which is great, but they wanted me to send a copy of the front and back of my drivers license and a picture of me holding the license. I find that incredibly suspicious and I told them I wouldn't do that. I did let them know however that I was going to file a complaint with the FTC. They said I could send a copy of the report. I would like to get this resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit card or prepaid card

I was not receiving regular bills, resulting in a few late fees ( that were waived ), so I decided to close the account in late XXXX of 2023. I had {$470.00} in cashback rewards, and was told by customer service in their rewards service center that I would have 60 days after closing the account to redeem my rewards ( see attached letter from Truist stating the policy ). I had used the card for years and always had my rewards direct deposited to my personal checking account without a problem until this point. 

I tried to redeem them several times and always received emails indicating that there was a problem and the money was not deposited ( see attached email example ). I tried at XXXX different banks, and verified that routing and checking account numbers were correct. 

Here 's the issue : the rewards center folks have a policy indicating 60 days to redeem rewards after closing the account, as I described above. On Saturday, XX/XX/2023, I was on a three-way call with Truist 's reward center and their regular customer service, and learned that those two offices have conflicting policies. The rewards center indicated the 60 days to redeem policy, whereas the regular Truist customer serviced claimed that I forfeited my rewards immediately upon closing the account. Their two policies are irreconcilable. Obviously I would not have closed the account before redeeming my rewards had I known about these conflicting policies, but I was clearly informed by the rewards center ( and the attached letter ) that I could. 

The bottom line is that Truist owes me {$470.00} and they won't give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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

Delete account number XXXX and account number XXXX. I am writing to dispute an unauthorized accounts with Aldous and Associates. I have no contract with them and believe this account is a result of identity theft, possibly stemming from a recent data breach. I have registered with IdentityTheft.gov and request that Aldous and Associates provide proof of contractual debt and how they acquired my identity. Since they have not verified this information, I demand that this account be removed from my credit report immediately. They are in violation of 18 USC 1028 and UCC 3-401 and 15 USC 1601-1667 by not giving me full disclosure.