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

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$0.00} AD XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX/XXXX  XXXX Balance : {$1000.00}
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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I applied online for a Wells Fargo Cash Visa, it was approved and I requested to make 2 each Balance Transfers for XXXX 1 to pay XXXX XXXX  and 1 to pay XXXX it Card. They both were denied ( please see attached ). I received credit for XXXX balance transfer to XXXX XXXX. In XXXX I noticed my Wells Fargo Cash Visa statement amount was higher than what I had recorded I owed. I analyzed my account and became aware that I never received credit for the XXXX that should have been transferred to XXXX  Card amount of credit should have been XXXX  + XXXX Bank charges. I called Wells Fargo on XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX spike to XXXX and he stated XXXX will be checking to issue XXXX  reference number XXXX. I received response from Wells Fargo XX/XX/XXXX with an email ( see attached Wells Fargo Mastercard Payments Center Control Number XXXX ) I did not get any explanation of what this notice was for, I called Wells Fargo XXXX ( XXXX ) XXXX XXXX  XXXX and spoke to XXXX he said to call XXXX  Card which I did and got no response I also sent them a copy of email? This was not acceptable I contacted Wells Fargo and told them they needed to credit my account for the XXXX balance transfer and on XX/XX/XXXX they sent me another email like the previous one I received but this one had a sharpie marked thru some of the information, I still could not get a response from XXXX  Card. I sent Wells Fargo another message about credit for balance transfer and they responded with same email last I heard from Wells Fargo was phone call to XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX at Wells Fargo and he stated that Wells Fargo was closing my dispute and that XXXX owes me the credit because they received transfer? Also, said to call XXXX  and get refund I have sent them 2 emails, telephoned them and the only response I have received from XXXX is notice dated XX/XX/XXXX ( see attached letter ) that I needed complete an " Identity Verification Process ''. I called XXXX  on XX/XX/XXXX spoke to XXXX XXXX ( XXXX ) XXXX verified my ID and then asked him about the refund Wells Fargo said XXXX  owed me and he hung up on me.

The way I have been treated is absurd this refund should have been done in XX/XX/XXXX today is XX/XX/XXXX and I still do not understand why it is my responsibility to get refund from XXXX Card because balance transfer was never processed to my XXXX  Card both transactions were denied and I only received credit from the XXXX  transfer. I have enclosed copies of all transactions on XXXX  Card there is no balance transferplus my XXXX Credit Card does not show the {$500.00} balance transfer and my Wells Fargo Cash Visa does not show a credit for {$510.00} ( could not print out transactions on Wells Fargo Cash Visa Card for some reason the furthest I could go back was XX/XX/XXXX ). I just want to know who owes me the money and how do I receive it because I have had no luck with both Companies.
Product: Debt collection

A certified letter was sent to Professional Placement on XX/XX/22 asking them to verify the debt owed- to include the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay current amount owed, details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made, legal authorization for this interest, the date the debt became delinquent and if the debt is within the statute of limitations and how that was determined. Also requested were details about the authority to collect the debt and whether you licensed in our state, license number, name, address and state agency issuing the license. 

None of this information was ever sent per our request and therefore this debt needs to be deleted off our credit report as we are unable to validate our debt- per the Fair Debt Collections Act.

This collection was disputed on our credit report and the
company would not delete it. This is in violation of the FDCPA.
Product: Bank account or service

Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, this is my third time trying to solve this issue with XXXX and XXXX  they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers.
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
Product: Credit reporting or other personal consumer reports

Mohela decided to delete the long established tradelines on my credit reports showing their name as MOHELA and changing it to XXXX  XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both XXXX and XXXX. I have not seen any updates to XXXX yet. One credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless student loan borrowers servied by MOHELA. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681E ( b ). XXXX XXXX and Experian, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate. 
I was a student with XXXX XXXX XXXX. I worked for 11 months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.
Product: Student loan

I have tried for several months to have late payment reporting on 11 student loan accounts that Mohela then XXXX XXXX XXXX hold. There are a total of 99 late payments on my credit report from XXXX through XX/XX/2018. It has caused tremendous damage to my score. I have disputed this with Mohela, and all credit reporting agencies and it continues to be seen as accurate. It is not, I requested information on forberance and deferment history from Mohela and it shows that I was in forberance at the time of late payments. They still failed to update or remove information and report it as valid, the credit bureaus has done the same, even though I've sent information showing it wasn't correct. I have requested valid paper work, from Mohela showing that I wasn't on a deferment or forbarbance before late payment started, that would have caused it to be past due and seen as accurate but nothing, stating that XXXX XXXX correspondence is something that they do not have. I just do not believe that I would have let 99 late payments hit my account, affecting me in this way. So I requested proof from Mohela, and was emailed though there portal a generic email from a case supervisor stating that after deferment supposedly ended I let it almost go in default and a administrative forberance was placed back dating Loan and the late payments remained valid and they don't do good will credits. Unbelievable I would never, and what good does it satisfy, my credit is worst if not the same from late reporting. It hard going against Mohela using their information that shows different with history report. But they can't furnish the history on administration forberance that I agreed to during that time. Only saying that's what happened with XXXX XXXX and it'll remain.
Product: Mortgage

BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I open an investment account with XXXX and when is time open the an account, XXXX apllication prompt me to log in to my bank account ( PNC ) and after logging in, PNC send me a 6 digit code for verification. upon putting the code, the application prompted me for a code again and when putting the code in, a message from PNC will appears that " PNC is blocking access to XXXX to access my checking. I called PNC and the person that answer the phone said to me that a security layer is in place across all account and this could prevent the access. He said that she will file a complain on my behalf and a few hours later, I got a call from XXXX XXXX telephone XXXX case # XXXX and XXXX implied that there is nothing wrong with my account and left me with no answer. And that's the reason why I am filling a complaint. 

Below is the replied message from PNC after account could not being link and denied On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service.

If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. 

This alert was sent for user ID ending in XXXX. 



Thank you for banking with PNC Bank. 



This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Customer Service, please call XXXX ; Monday through Friday XXXX XXXX. to XXXX XXXX, and Saturday and Sunday XXXX XXXX XXXX XXXX XXXX ET. 



XXXX XXXX to view our privacy XXXX XXXX XXXX XXXX. 

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

Experian refuses to unfreeze my credit report and score to allow for my mortgage lender to process my application. Their website does not recognize my correct personal information and therefore will not allow me to unfreeze it myself nor obtain a new PIN number. I contacted Experian directly and they claim that they can not issue me a new PIN except by mail ; which will take ten business days. Neither myself nor my lender have two weeks to wait for this PIN to arrive to process my loan. The Experian advised that there was nothing they can do to expedite this process. This refusal by Experian to provide immediate assistance to unfreeze my credit report and score has the potential to cause me to lose out on a loan for my home.
Product: Debt collection

Dear ADS/ COMENITY/XXXX XXXX ; I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history. 
Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.
Product: Checking or savings account

i received a text message saying WeIIs Fargo AIerts : A hold has been pIaced on your account due to recent payments, visit XXXX to remove the hold. when i do not own a Wells Fargo account. i would like to know alittle more information on what i can do, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Equifax several times to dispute unauthorized inquires on my credit report but they have been unwilling to address the issue. I filed a complaint against transunion and as a result of their investigation they removed the unauthorized inquires. I spoke to someone at Equifax a week ago who said all I would have to do is fax them a copy of the investigation results and they would remove the inquires in 5 days. I sent the fax containing the results from the investigation the same day he requested me to. I called back on yesterday, which was the 7th day and was told they couldn't do anything I needed to file a complaint with the Federal Trade Commission. I went to the FTC website to file complaint and they directed me to the CFPB to file the complaint.
Product: Credit reporting or other personal consumer reports

I contacted XXXX SYNCB/PPC on XX/XX/ to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Checking or savings account

My name is XXXX XXXX, and my card has been stolen by someone I do not know. Not sure If I dropped it or left it somewhere, or was hacked, but my card was used, and fake checks were deposited into it, it did not come to my knowledge checks were being put into my account until around XXXX XX/XX/2022. When i realized my card has been missing for some while after attempting to find it, I called Wells Fargo to report my card lost or stolen. Then realized My account was negative, and I thought it was my Car insurance taking out its bi-weekly autopay, then realized that check had been deposited/returned to my account. I am deeply saddened by this attack on my account, and this has not been the first time I have dealt with scams with wells fargo.
Product: Credit reporting

The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. 
I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.
Product: Student loan

Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.
Product: Checking or savings account

I had XXXX dollar with drawled from my account by an email. I called to dispute it immediately when I got the notification that money was being pulled out of my account. The transaction happen XX/XX/23 I gave them a call around XXXX or XXXX to dispute it. They denied my claim. Which doesnt make any sense. No one has access to my account but me. I havent given out my account information or allows anyone access to with drawl money out of my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identy theft and also XXXX and XXXX XXXX Data Breach. The following accounts listed in this identity theft report are being reported fraudulently. Please remove these fraudulent accounts immediately. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Mortgage

1st call I made to do a loan modification / mortgage assistance application I informed representative that I was on XXXX XXXX XXXXXXXX. I was told by the representative that they would send me paperwork. I called back approximately 2 weeks post the first call since I had not received anything and I was told I should wait 30 days. I waited the full 30 days and asked them to just email it to me and that is when I was told about the online portal/website access. I got online and filled everything out and added more paystubs than asked for in hopes it would not delay the process. Several times they DO NOT contact me but I keep checking online daily to see the status and notice there is more information they are needing. On XXXX they needed a letter explaining all my paystubs and what happened. So I did that. My return to work was to be XXXX however since XXXX XXXX XXXX XXXXXXXX XXXX I am locked out while they are still negotating the contracts. So not only did I send my dr note showing my release to work, the text msg from XXXX locking us out, the hospital EOB 's, the letter explaining all of this and over 60 days of stubs ( both XXXX stubs and regular paystubs from XXXX before incident ) I was just informed today AGAIN that they are needing a letter from me stating that I did not return to work upon being released by the doctor even though all of this was in the first letter with all the accompanying documentation. The rep, XXXX, stated that letter has to be dated after return to work date. SOOOO, I did that again today. To be proactive I went ahead and sent all the documentation of payment from the what they had to current, the new letter, the screen shot showing my strike pay from XXXX, XXXX XXXX stubs through the end of my XXXX claim. It's been back and forth I have been dealing with this for over 90 days and I am no further than I was before. The conflicting information is frustrating. The very first rep I spoke with when I started the process told me I didn't have to continue to make my payments. I have continued to make each payment but if I had trusted their faulty system and representatives, where would I be?!?! Something has to be done. I have called numerous times, I get minimal information. Please help! My lender is Mr. Cooper.