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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with XXXX XXXX regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, XXXX XXXX has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted XXXX XXXX, XXXX, and Experian times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over XXXX old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with XXXX XXXX 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

in according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 states it also states a consumer reporting agency can not furnish an account within my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hi, My name is XXXX XXXX and I would like to share an occurrence that happened to me while conducting business with Bank of America. I hope that you are able to help me investigate my claim further because Bank of America has stated that I can no longer file any additional claims regarding my case. I really hope that you can help me. 

XX/XX/XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit {$5000.00} in cash. The branch was not open so I used the ATM machine to deposit my cash. The ATM ID is XXXX. My ATM card and cash were inserted into the ATM. The machine jammed as it was counting the cash I inserted. I called customer service to file a claim. I was on the phone with customer service for 40 minutes and stood in front of the ATM for the duration phone call. I was told that the machine will reset itself and my ATM card and cash would come back out after 15 minutes. After the ATM reset, only my card came back out. The cash I deposited did not come out, nor did any receipt come out. I was told by customer service not to worry, and no more money could be inserted into that machine until the machine was looked into by BOA. I was issued 2 temporary credits. The first credit was issued immediately for {$300.00}, and the second credit was issued for {$4700.00}. 

XX/XX/XXXX I received a call from BOA telling me that my claim has been denied. I escalated my claim and it was denied again on XX/XX/XXXX. I was told that after further investigation, it did not appear that my body language appeared as if anything was wrong when I was using the ATM, and also that no additional funds were found after auditing. After the credit was denied again and having the temporary credit revoked, my checking account now has a negative balance. After some review, the bank only rescinded the second temporary credit of {$4700.00}, and did not rescind the first credit of {$300.00} which I thought was weird. BOA is saying that I have to bring my account back to a positive balance by XX/XX/XXXX. If not, the negative balance would be sent to collections. I have been in touch with customer service every 2-3 days since, and I was finally told that I could not file a claim or escalate this case anymore. 

I hope that you are able to help me investigate my case further, as {$5000.00} is a lot of money for me. I am also not doing too well financially and I hope that you can help me look deeper into this case. I trusted the bank I was using, I used the ATM according to BOAs guidelines, and I was on the phone with someone during the whole process and followed the guidelines, but now I am out {$5000.00} from using BOA. 

Thank you
Product: Checking or savings account

I have a Checking account with Truist bank ending in XXXX. I wanted to close the account but this bank is not closing. Moreover they expect me to keep on calling or chatting with them to close it otherwise they will charge money for XXXX balance. 
Chatted with XXXX on XXXX XX/XX/2023 to close this account.
Product: Credit card or prepaid card

Hi, I am having trouble resolving a matter with Capital One Credit Card. I have their XXXX XXXX since 2017 and never had any issues before. I purchased something back in XXXX this year from an online merchant. It was a poster. The poster arrived ripped and it wasn't even the poster I ordered. I tried contacting the merchant several time before disputing the charge with my capital one. At first Capital One gave me a temporary credit but a couple of months later they applied the charge back on my card without based on inadequate response received from the merchant. Subsequently on approx XX/XX/XXXX I spoke with a Cap One representative who advised me on how to submit a statement explaining the issue for them to pursue this dispute. I was sent an email with a link to upload my hand written statement. I did as I was advised. On XX/XX/XXXX, I followed up with Customer Service and was told they wont be pursuing this dispute. They gave me confliction information. At first they said I was late in submitting my response then they explained a requirement with is practically not feasible. I spoke with two different supervisors and 2 diff reps over the span of 45 mins. The disputes supervisor Mr. XXXX ( ee id - XXXX ) was the one to provide info that I believe was inaccurate. Either way, he refused to help resolve the matter. In the end, I still haven't received my money I paid for something that was wrong and damaged merchandise.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and used due to lost of government IDs and date breaches. After checking my consumer report I found an account from Credit acceptance corp open on XXXX XXXX being reported fraudulently and without my consent. No goods service or money was ever received from the reported transaction. This is in violation of my rights to privacy and should be blocked no later than four days after XXXX XXXX XXXX
Product: Checking or savings account

The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. 
In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). 
To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : TD Auto Finance Reason for Dispute : Never Late, Account Was Paid As Agreed. 

TD Auto is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report. 

On one bureau TD Auto is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of XXXX  and have them update this inaccuracy accordingly. ( Attachments 1-4 : TD Auto Payment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why TD Auto insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. TD Auto saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should. 

So again, please have them fix and update this inaccuracy on my report accordingly.
Product: Checking or savings account

5th 3rd Bank list a CD rate of 2.2 % for 18 months in their web page, and as of today XX/XX/XXXX they will not honor it. they say the web site was last updated in XX/XX/XXXX. I contend if they failed to update their CD rates in their web site, they should honor it? The Bank is at XXXX XXXX. XXXX XXXX. MI. 

XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I applied for an FHA loan with XXXX XXXX. That certain bank does not do FHA loans in-house so they had to use quicken loans to process the loan. The bank also told us they do not order an appraiser unless we are approved for the loan because they will charge us and do n't want us to pay if we did n't get approved. Well an appraisal was ordered and the guy came out a week later. Come to find out we did n't get approved for the loan and they did n't charge us for the appraisal but we still should have the right to a copy of it. I hope you can help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX  : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

TRANSUNION : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has put in application on loans, that I have not authorized. These arent mine. This is XXXX! These are the dates of which the crimes were committedXXXX 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
Product: Credit card or prepaid card

Im a military veteran and customer of Omni financial and Ive had credit card loans with them for a few years and Ive been charged a very high interest rate and am looking for it to be resolved
Product: Checking or savings account

Wells Fargo deposited my check into wrong account according to land lord. Wells fargo is not responding to my bank XXXX XXXX  to resolve issue. Check was payable to XXXX XXXX account number XXXX at wells fargo on XX/XX/XXXX two checks were deposited XXXX and XXXX only XXXX went to his account. XXXX was with drawn from my account and not credited. wells fargo need to return my money. {$1500.00}. 
Please respond to my bank. I have filed a fraud complaint. You have stolen my money! I am going to pursue small claims court. This is not going away. I will file a complaint with the XXXX  next. I want my money back! I had to pay an additional month of rent dt this. Or prove it went to the correct account! I am out XXXX dollars that I worked for ... Wells fargo ... you are stealing. I will call radio stations .... I am not going to drop this, the sac bee and I'm a XXXX  ... I am going to contact the XXXX  XXXX  ... I am not going away. It should not take so many complaints to get my money. Thieves. Respond to my bank if you have nothing to hide. My bank has the proof of canceled checks. You messed up and need to take responsibility. 

Last response from from XXXX. 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX  XXXX  XXXX  case # XXXX Dear XXXX XXXX : We are responding to your recent correspondence filed with the XXXX XXXX XXXX  ( XXXX  ) regarding your recent experience. We appreciate the opportunity to provide additional information and clarification. 
Wed like to extend our apologies for any inconveniences this matter may have caused. Our goal is to provide products and services that are easy to use and to always create a positive banking experience for our customers. We regret any instance we may have fallen short of these goals while working with you. 
Please understand, you will need to reach out to Wells Fargo to file a claim for the checks, as they were made out to and deposited into the wrong account at that bank. XXXX XXXX  has attempted to reach out to Wells Fargo on your behalf regarding this issue but was unsuccessful, as Wells Fargo needs to work directly with you, the account holder at the institution where the error occurred. We apologize for any confusion surrounding which institution should file the claim. 
Regarding the customer service you received at the branch, we are more than happy to research and provide additional clarification ; however, we would need to know more specific details, such as the date and name of an employee. Please submit your request with specific question ( s  ) in writing to : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX We again regret any frustration or inconvenience this may have caused and hope the information contained in this response is helpful. If you have further questions, please contact XXXX XXXX  XXXX Customer Service at XXXX ( XXXX ) where representatives are available to assist you seven days a week. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Credit card

Bilt is using unethical sign up flows to trick people into unknowingly sign up for credit cards, and to give bilt access to their personal bank accounts and credit card transactions.

My apartment building recently required that I register with Bilt to pay my rent. When signing up I noticed that they default sign you up for a credit card. I had to take action to not sign up for their card. 

Then I started getting email notification from Bilt when I use my other personal credit cards for purchases. I 100 % did not knowingly give Bilt permission to do this. But somehow they've accessed, and are monitoring, all of my bank accounts and credit cards. I was able to shut off access though my bank. If you look online you'll find a lot of people complaining about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$50.00}