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

After checking my credit report from all three credit bureaus ; Trans Union, XXXX and XXXX, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.
Product: Credit reporting or other personal consumer reports

The card was stolen around beginning of year 2020 and I was not aware of that the card was gone. then I came to notice that it was used by someone else without my knowledge. it happened for a quite sometime. then I came to know the situation. I closed the account immediately. Pls understand this unforeseen circumstances. Thank you.
Product: Mortgage

Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.
Product: Checking or savings account

This morning, I requested Golden 1 Credit Union to cancel my application. Ive decided to go with a local credit union instead. This has been the most frustrating experience Ive ever had trying to open an account. Despite uploading all the required documents, theyre claiming they didnt receive my SSNeven though I know I submitted it. The difficulty Ive encountered during this process is unacceptable. Moreover, Im deeply concerned about where my documents ended up after uploading them. Their claim of not receiving my SSN raises serious questions about their practices and the security of my personal information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I sell appropriate redress for these violations.
Product: Mortgage

Ocwen Loan Servicing put a {$500.00} charge on my monthly payment for : XXXX XXXX XXXX XXXX XXXX. They said this is for vacant properties. This property is not vacant, the house is owner occupied and currently occupied. The house is not in foreclosure. They can not explain why they charged this fee. No inspection was made, and Ocwen states there was no reason for any such inspection to be made, yet the fee remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX  in XXXX GA 1 to Experian XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax, XXXX, and XXXX for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of Equifax, XXXX, and XXXX may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that Equifax, XXXX, and XXXX comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : 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

Experian reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XXXX XXXX. The reporting should show 3 months of late payments, and then a charge off XXXX XXXX, then it was closed, it should show XXXX, until XXXX XXXX when it should show pays as agreed, then should show XXXX for XXXX XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XXXX of XXXX. Please correct this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted USAA and XXXX XXXX on several occasions on why I am not an authorized user on my wife 's USAA credit card account for XXXX dollars. The account is not reporting to XXXX XXXX, USAA said to me that they have been reporting to XXXX XXXX, but XXXX XXXX is not making any changes, XXXX XXXX play 's the blame game and said it's USAA fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX  and also XXXX  with no problems at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX XX/XX/1963 XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show God 's kindness to XXXX who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
1-XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4-XXXX 5XXXX XXXX, all inquires 6-XXXX 7XXXX XXXX XXXX, all inquires 8XXXX XXXX 9XXXX XXXX 10-Confirmation : XXXX 11-XXXX XXXX, all inquires 12-XXXX XXXX  XXXX 13-XXXX XXXX XXXX  14-XXXX XXXX  15-XXXX XXXX 16XXXX XXXX XXXX   XXXX 17-XXXX  XXXX XXXX XXXX  18-XXXX 19-XXXX XXXX XXXX XXXX 20-XXXX  XXXX 21XXXX XXXX 22-XXXX XXXX
Product: Mortgage

Wells Fargo reached out to me about refinancing my mortgage in XX/XX/XXXX. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in XX/XX/XXXX. They gave me a guaranteed rate through the end of XX/XX/XXXX. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt files to the underwriters, not telling me that some of the financials they have are dated until it is too late. This loan is less that 10 % of my net worth, the loan to value is 59 %, I have a nearly perfect credit score, and my investment income alone covers my interest costs. At this point no one at Wells is returning my real estate lawyers calls or my calls. It is two weeks away from XX/XX/XXXX, they know I will be out of the country from XX/XX/XXXX-XX/XX/XXXX and are now avoiding me. This is outrageous behavior.
Product: Bank account or service

I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge.
Product: Checking or savings account

I opened an account with Citibank on XX/XX/2024 and deposited {$100.00} into it, a few weeks later they closed it. I called to see why they said because of XXXX or something and they mailed a check to my address and I'd have it in 30 days. I called on XX/XX/2024 and was told they couldn't find my account so they couldn't mail a check XXXX was very rude, his department is XXXX. I was removed from online banking and never received a statement so I don't have the account number and they act like they couldn't understand that.
Product: Credit card

Wife opened Best Buy credit card. I was present, but did not authorize them to list me as an authorized user. 

I do not have the card number, nor will Best Buy speak to me about the account since it isn't mine.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX for unfair billing and debt collection practices, as well as poor communication. 

On XX/XX/year> and XX/XX/year>, I visited XXXX  XXXX  XXXX  only to take a rapid XXXX  XXXX test for international travel. I was not sick and did not seek any medical treatment. Before both visits, I was told the cost was {$75.00} per test, which I paid upfront. 

However, XXXX  months later, I received a bill for an additional {$180.00} ( {$90.00} per visit ) for " urgent care services, '' which were never disclosed to me and which I never agreed to receive. I only needed the test to meet airline travel requirements. 

I disputed the charges with their billing department multiple times, but their communication has been extremely poor and inconsistent : They gave contradictory billing statements, with some showing {$180.00}, others {$90.00}, and XXXX even $ XXXX of which match. 

They ignored my dispute for weeks at a time and failed to follow up as promised. 

Instead of addressing my concerns, they sent my account to a debt collector ( MCG ) without notifying me, even though I was actively disputing the charges. 

I never requested my debt to be " removed from collections '' I asked for the incorrect charges to be removed entirely. 

XXXX XXXX : Surprise Billing : I was never informed of an additional {$90.00} per visit charge before or during my visits. 

Unnecessary Medical Charges : I was not sick and only needed a rapid XXXX test for travel, not an urgent care consultation. 

Billing Inconsistencies : Their statements have been inconsistentone bill shows a balance of {$180.00}, another {$15.00}, another {$90.00}. 

Unfair XXXX XXXX : They referred my account to collections without resolving my dispute or notifying me. 

Poor Communication : They failed to provide clear, consistent information or follow up on my concerns. 

I have made multiple attempts to resolve this issue directly with the company, but they have refused to provide a valid explanation for the charges
Product: Credit reporting or other personal consumer reports

incorrect information in my credit report, date, opened, high, balance, date, reported, last payment.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY Transunion allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Ability Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ability Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Payday loan, title loan, or personal loan

I tried to payoff the loan early to save on interest. The website does not have a payment option. I tried calling customer service on several occasions and was always left waiting. The online chat mode would not let me make any additional payments. The amount of interest charged keeps accruing despite my attempts to pay the loan.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX, it was reported that a late payment was added in XX/XX/year>. I demand proof that the payment was late. 

According to 15 USC 1681a ( 2 ) ( 1 ) the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XXXX disputing an account, listed without a company name or any contact information, they responded stating that the account was verified. On XXXX I sent a second dispute letter, factually disputing the contents of the account as the account had been illegally re-aged causing it to stay on my credit report longer than it legally should and was in violation of Metro 2 compliance, as it was missing multiple necessary fields of information required for me to try to identify what exactly this account was pertaining to. As time goes on, the name of the account appears on my report as XXXX XXXX. Again, the account came back verified, no changes. A 3rd letter was sent to Equifax on XXXX reiterating the fact that the account still remained unverified. 

On XXXX I received a letter from the collection company, XXXX XXXX advising me that my previous dispute with the CFPB had been received. They then proceeded to state that the account had been confirmed with their client, and then sent me a copy of medical records and a break down of procedures. 

Upon receipt of this letter, I responded directly to XXXX XXXX, ( sent them the same letter twice within a 7 day period. As they like to claim they do not receive your mail ) requesting copies of any agreement that bears signature of the alleged debtor wherein he or she agreed to pay the creditor AND as this is a medical account a copy of any HIPAA authorization.

I had then sent a letter to equifax requesting the immediate deletion of this account, as the medical collector had violated major HIPAA laws. Equifax remains unresponsive. 

I never received a response back to my letter requesting these documents, so I called in and spoke with a manager/supervisor about the account. She advised me that she was not required to provide me with this information, and that she get 's " dozens of these letters all the time ''.