23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing today through this portal as my last resource after dealing with Wells Fargo and not getting a fair solution on my case. This company is reported a fraudulent item to the credit bureaus. They are committing multiple violations to the Free Credit Reporting Act. 

I contacted them on XX/XX/2019 through a dispute letter sent via fax ( please see fax confirmation attached ). They didn't even investigate the account or take in consideration my dispute notice. 

I am demanding a deletion letter from Wells Fargo. Despites I have been a good customer, they are not being fair with me. If Wells Fargo denies my request, I am willing to let a courthouse decide for them. I want the following account, that is related to fraud : WF CRD SVC XXXX. Date Opened XXXX XXXX Credit Limit $ XXXX.Closed. 

Attached : Proof of fax, letter sent to WF, FTC Report.
Product: Checking or savings account

On XX/XX/2022 we had {$20000.00} stolen when Check # XXXX The Huntington National Bank for {$2500.00} payable to XXXX and XXXX was stolen and altered to {$20000.00} by XXXX XXXX XXXX endorsed by XXXX and cashed by XXXX XXXXFiled police report at XXXX, Ohio Police Department XXXX # XXXX on XX/XX/2022. 
Filed fraud report with Huntington Bath, Ohio branch on XX/XX/2022. 
Wrote a letter of complaint to XXXX XXXX, Regional President of The Huntington National Bank, XXXX, Ohio. 
Filed fraud report again with XXXX XXXX, Ohio on XX/XX/2022. 
Huntington filed an altered check claim with XXXXXXXX XXXX  on XX/XX/2022. 

Both bank fraud departments have received the documents, sometimes more than once.
Product: Credit card or prepaid card

Last month plus there have been several instances of obvious fraud ( online XXXX transactions over the course of a month plus outside of the area where we live ). They did not catch it and will not stop the card because it is my wife 's card. I understand that they can not give me information about my wife 's account, but a simple call to their fraud department and they would have easily seen that the charges were fraudulent, but they refused to do even that.
Product: Debt collection

I bought a ring from XXXX XXXX XXXX, in XX/XX/XXXX. a gift for my grand daughters college graduation ... ... ... ... I have proof of receipts by the owner, XXXX , that I RETURNED THE RING, ..when I realized I had gone over my head ... 
Last XX/XX/XXXX, I got a letter from collection agency ... My financial counselor at my XXXX XXXX called XXXX, ( collection ) wrote letters, explained that the ring had been returned ... I thought this had been cleared up ... NOW, again, I get another letter a year later, with the same issue..Please, because of this problem, my good credit is in question, and I truly do NOT owe any money on this ring ... Whatever you can do to help me, will be greatly appreciated ... Thank you, sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I overpaid my card by {$530.00}. On XX/XX/2019, I called Capitalone to have it refunded. They acknowledged the over payment and it was showing a credit balance on my card. They told me they have charged it back and it will take 3 -5 days to reflect on my account. On XX/XX/XXXX, I called to find out the status of my payment because it had not been reflected on my account. I asked what happened and the agent told me we have just sent your money today. 
I reminded them the terms and what they promised me on XXXX, also it was over 5 days and even as I write this complain I have not yet received the payment. 
This seems to be a violation of their own terms and what they told be. I was not happy with it and I told them I will file a complaint. That is the reason I am here
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with Equifax and must pay this fee, this breach could generate a potential revenue " wind fall '' for Equifax. Additionally, XXXX and XXXX could similarly profit. Equifax, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Product: Credit card or prepaid card

My card got an offer from American express for " let 's go shop small '', got {$5.00} credit after spending {$10.00} or more, maximum 2 credits. I selected the offer, and made two purchases in the shops which are in their map, but never got any email confirmation and also the credits. I did this last year with the similar offer, and always got the email confirmation shortly after the purchase, and got the credit days later, but this time, something is wrong, so I chatted with the Amex customer support person, they confirmed that something maybe wrong, so they opened an investigation for my case ( case ID is XXXX ) in XX/XX/2021. After that, I chatted with them for more than 3 times for the status of my case, but so far, no any results.
Product: Checking or savings account

When my mom passed away in XXXX, I began the process of trying to address all her accounts and bills. I took her death certificate, her will showing me as her sole beneficiary and my previous POA into the branch on XXXX XXXX. The Manager at that branch said they wouldnt even review any of that paperwork. They wouldnt even send it to the legal department to review, as I could have forged it. I had all her statements and a safety deposit key. She had taken the key from me and was practically refusing to hand it back to me. Flabbergasted, I asked what Im supposed to do and she shrugged and said, Get a lawyer. 

So, at more cost than whats even sitting in those accounts, lawyer hired and Estate filed. This time, went to the XXXX XXXX. Was really hoping for better customer service and compassion. Spoke with XXXX at that location. Gave him a certified Death Certificate and Certified copy of the Estate Paperwork. 

He called me back a week later and said the legal department would not consider that paperwork as the Testamentary had an expiration date. 

My lawyer said hes never heard of anything like that. But, he wrote a letter requesting they assist me and allow us to close the accounts and safety deposit box. 

XXXX called me back and said the legal department has okayed closing the account. I said I would return Saturday to take care of it. He said he wouldnt be there but would tell the Manager to expect me and theyd have everything ready. But then said they dont think the safety deposit box exists. No record of it. Weird, since I have a key in a marked envelope Went into the branch, as we discussed. XXXX, the Manager, said they have no record of any of this and cant help me. Come back another time. I asked if they can just call their legal department to confirm approval to cancel the account. They said, They dont allow us to call them.

I have jumped through every hoop, at personal cost, to close her accounts. Theyre denying the safety deposit box exists and playing games. They are refusing to comply with legal paperwork. I have spent a lot of time and $ to get what they owe ; I shutter to think what they do to families who are grieving and dont have the same resources I do. It feels like a game where they hope Ill just give up and they can keep funds that dont belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SIGNED UP WITH CREDIT.COM FOR FREE ONE MONTH TRIAL. SEE ATTACHED EXHIBIT " A ''. 

ON XX/XX/2021 I REQUESTED TO CANCEL AND PROVIDE CONFIRMATION. SEE ATTACHED EXHIBIT " B ''. 

ON XX/XX/2021 THEY RESPONED BY STATING SOMEONE WILL BE IN CONTACT WITH ME. THEY DID NOT AND ONLY SENT ME AUTOMATED RESPONSES. SEE ATTACHED EXHIBIT " C ''. 

ON XX/XX/2021 XXXX RESPONED BY STATING MY REQUEST TO CANCEL AND COMBINED MY REPEATED REQUEST TOGETHER INTO ONE REQUEST. 

ON XX/XX/2021 I TRIED TO FOLLOW-UP WITH MY REPEATED REQUEST TO CANCEL AND PROVIDE CONFIRMATION. NONE OF MY EFFORTS TO CANCEL HAS GONE WITHOUT RESPONSE AND THERE LINKS LEAD TO NOTHING.
Product: Checking or savings account

On XX/XX/XXXX I had a deposit from social security in the amount of {$1100.00} and to my NetSpend account which had a negative balance of {$190.00} and left me with a balance of {$940.00} there were XXXX transactions in the amount of {$76.00} {$14.00} and {$8.00} which left me a balance of {$840.00} on XX/XX/XXXX my account was closed they then proceed to forward the remaining funds to social security or the treasury department on XX/XX/XXXX with the trace numbers provided for XXXX it stated that the funds were sent to a facility in XXXX XXXX  with no physical address and received by someone by the name of XXXX social security has not received this payment to be returned to me and I would like it to be investigated
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024 I submitted a dispute to Equifax for XXXX XXXX XXXX XXXX for {$52.00} because it was inaccurate. I did not owe them any money but it was reported on my XXXX and Equifax reports as a collection. I disputed this collection with both agencies. XXXX approved my dispute and removed it from my report because it was proven that I did not owe the company. Equifax denied my dispute on XX/XX/year>2024 and stated that the collection was reported correctly when it was not.
Product: Debt collection

On XXXX XXXX of this year I called National Credit Adjusters ( NCA ) because I received an eviction notice to vacate my rented home. The owner is destroying the dwelling and building a new subdivision. I went to purchase a home and found that NCA had reported that I owed XXXX , I called to dispute but they convinced me that the best way to have it removed was to pay it. I did, reference # XXXX, spoke to XXXX XXXX, and it would be removed. After writing them calling them, disputing to XXXX, sending XXXX proof by the coorospondence, calling XXXX the account still shows on my credit report. They finally reported it as paid last week but it is still on the report and is preventing me from a home loan with XXXX XXXX. They told me the VA would not approve the loan untill it is removed. I will soon be homeless because on XXXX XXXX I must go before a judge in XXXX XXXX County FL. to explain why I have not moved. NCA has stopped returning my calls and stated it will remain.
Product: Payday loan, title loan, or personal loan

I applied for a HELOC on XX/XX/XXXX. Due to the size of my property i was informed i would have to pay for an appraisal. Penfed sent me a link that randomly selected a company. I paid {$580.00} to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX came out to perform the appraisal. We received the appraisal report on XX/XX/2022. I immediately contacted Penfed and stated DISCRIMINATION and the lady 's report had erroneous statements and values to under value our property in addition to quoting the Fair Housing Act. Penfed sent me a Reconsideration of Valuation ( ROV ) to complete with properties we felt were more comparable. I was informed ROV was sent to the Penfed appraisal team who then sent it back to the same company, XXXX XXXX XXXX. I then stated again that I stated DISCRIMINATION. Penfed then stated they will send it to another company. This other company came back with the same value. This was another red flag. For example, appraisal report stated, " The appraisers calculations use lot sales in the past 24 months ranging from $ XXXX - $ XXXX, which is an error and valued our home at $ XXXX times XXXX acres = $ XXXX ''. However, a lot XXXX acres sold for $ XXXX XX/XX/2022. This property is 0.5 miles from my home. This is why i requested a meeting with the Penfed appraisal team to discuss the following : 1. What properties were used in comparison? I would the percentage provided as well.

2. Were any of the properties used in the ROV? If not, I would like a detailed explanation.

3. What second company was used for the appraisal?

I have not heard anything back from Penfed.i also requested my {$580.00} back from Penfed since they were the ones who introduced a XXXX to provide a valuation on my home. There business practices are flawed and need to be corrected immediately. My paperwork for the Heloc is still not complete.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have all put collection accounts onto my credit report. They have reported information to third parties like XXXX XXXX XXXX XXXX XXXX  prohibiting me from being able to rent properly with no evictions, judgments or criminal background. I have disputed with all three companies more than a few times. They have put unauthorized charges and inaccurate items onto my credit report and by law it is illegal to put those items onto my credit report without my consent. FRCA Section 605 B.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the inaccurate and incomplete credit information being reported. 

I am deeply concerned about the inclusion of the following information in my credit profile and the failure to maintain adequate procedures to ensure the utmost accuracy in the credit reports you produce, as mandated by credit reporting laws. 

It is imperative that credit bureaus report only completely accurate credit information, with every precaution taken to ensure its correctness. 

Hence, the following information requires thorough re-investigation. I kindly request proof demonstrating that these inquiries were indeed authorized with a document bearing my signature and for legitimate business purposes. In the absence of such evidence, any unauthorized inquiries must be promptly removed from the report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The mentioned inquiry was conducted without authorization and lacked legitimate business purposes, constituting a grave error in reporting. I urge you to expunge this misleading information and furnish corrected credit profiles to all creditors who have received copies within the last six months or within the last two years for employment purposes.
Product: Student loan

I have made > XXXX qualifying payments, but am only getting credit for XXXX. I resubmitted my XXXX employer verification form on XX/XX/2023 and am still being required to make payments because my form is still being processed. I have tried calling customer service to see if I qualify for forbearance while my form is being processed, but can not get through to customer service due to call-hold times > XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paperwork received from a XXXX XXXX  says original account name is for a XXXX XXXX XXXX opened in XXXX, first of all, I am not XXXX XXXX XXXX, I am XXXX XXXX XXXX paperwork received from a XXXX XXXX also said original account opened for a XXXX XXXX XXXX XXXX XXXX account number XXXX in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute filed about account filed with Experian since it is listed on mu consumer credit report, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate information. Re-aging an account is a violation under FRCA also incorrect information on an account is also a violation
Product: Credit reporting or other personal consumer reports

-I tried calling Equifax XXXX and also XXXX. I also tried creating an account to request these service on MY EQUIFAX and was blocked on both. I tried calling again and still was not able to get thru. The phone calls said they could not complete my request and the online attempt stated to contact them, with no results. The other credit reporting agencies ( XXXX and XXXX ) I had no problem over the phone it toke minutes. Equifax I have had absolutely no connection with either on the phone or online, I believe they have a federal requirement to provide these yearly reports, but they make it impossible to get them.
Product: Credit reporting or other personal consumer reports

This is my second endeavor 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

I am again notifying the CFPB and Experian AGAIN, that I am a victim of identity theft I am also once again attaching a copy of my social security card my identification along with my ftc report for your review.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. 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 XXXX XXXX for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my previous checking accounts transactions.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and realized that it was an unauthorized account on my credit report XXXX XXXX I never authorized for this account to be open. I also disputed the account with Experian, and I was also instructed to call XXXX XXXX myself to see if I could resolve the issue, it could possibly speed up the process and I did. I reach out to them on XX/XX/year>, the representative that I spoke to with agree that the account was fraudulent, and that I never consent for this account to be opened. The representative also emailed me a document to give to all the credit bureaus so that the account can be removed from my credit report. I submitted the letter to Experian to remove the XXXX account of my file and they refuse to remove it off of my credit report it is a negative mark on my credit i was instructed to wait till XXXX of this year and it will automatically fall off I think that wrong and inconsiderate for people to get their credit together it is very discouraging
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I applied for a XXXX XXXX XXXX XXXX under my business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX | XXXX  : XXXX ). I specifically requested that the application be processed under my business entity only, using its XXXX, and explicitly did not provide my Social Security Number ( SSN ) or authorize a personal credit check. 

Despite this, after leaving the store, I received a notification that XXXX XXXX  conducted a hard inquiry on my personal TransUnion credit report without my authorization. This inquiry was improper and unauthorized, as the application was intended solely for my business and should not have involved a personal credit check. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit report may only be accessed with the consumers explicit consent or for a permissible purpose. Since I did not apply personally or provide my SSN, this inquiry was an impermissible access to my personal credit file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Transunion ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.