23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint because I was not enjoined in the Settlement for accounts being opened at Wells Fargo. 

On or about XXXX, XXXX  I received a letter conveying to me the news that I had opened a checking/saving account with them when I did not. This was a fake account. I had reported this to them and I wanted it closed. They did close the account after their investigation. However, they did not include me in the recent Settlement for this action. 

I understand that the beneficiaries included are those who have suffered losses up to XXXX. But as you can see this practice has continued and I want this to be put on record that in spite of their promise to the public that they will stop these fraudulent practices - it has continued.
Product: Payday loan, title loan, personal loan, or advance loan

I am questioning ; MOMNT BANK, a financial institution that is in business with XXXX  contractors. On XXXX XXXX XXXX XXXX XXXX XXXXXXXX Momnt Bank XXXX 24 months same as cash. I agreed to this because I am on a fixed income. I was signed up, not knowing that Momnt Bank would release full loan amount in advance before any work was even started. The XXXX XXXX XXXX defaulted on our contract for my bath and shower remodel. They never started job or had any contact with me nor did they return any of my calls. Momnt Bank claims they have a federal investigation going on. In the meantime, they say they are giving me a provisional credit with no interest or reporting to credit Bureau. In which I was already receiving with the 0 % for 24 months ( expires XX/XX/. ) Moment expressed in writing that the provisional credit will either be made permanent ( will owe {$0.00} ) or revised ( Owe loan amount plus interest accumulated ) Momnts receptionist continues after months & months to tell me there is no new updates on investigation. I have requested several times to get in touch with either one of the two ladies XXXX or XXXX XXXX in the litigation department. Ive been numerously promised that those ladies would get a hold of me, Im lied to and no one ever does. I have requested from Momnt : documentation for payment that XXXX XXXX  actually received. No response! 
In the result of the unprofessional conduct with Momnt Bank not returning any of my calls or emails, the XXXX XXXX they do business with, and the many poor reviews of Momnt customers experiencing the same, shady, business tactics as myself ; I decided to make this claim..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX, XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinves-tigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX XXXX Card -XX/XX/XXXX XXXX  Card -XX/XX/XXXX XXXX XXXX   XX/XX/2019 I would like to be provided proof I consented to these inquires via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

For years I've been struggling with opening up a bank account. Before Ive tried going to the police going into the banks myself and trying to open an account. I'm trying get to somebody because ive been trying to purchase a home for the past couple of years and im not able to save any of my money through prepaid cards or even live my life as an actual adult due to all these early warnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

ordered a freezer XXXX on line from Home Depot, Del. was to be on XXXX XXXX XXXX, I had to call and get a status, apparently they had an incorrect address, right st, wrong state, but, so the del. told me that they would cancel and my acct would be credited, I have made several calls, E-Mails and so far nothing has been done, the best advise they give it it takes 4 to 6 weeks to work out a dispute. The amt. is {$450.00}
Product: Credit reporting or other personal consumer reports

FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer reports .I discovered some instances of late payments on my an account for which I have always maintained timely payments consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.I have never missed a payment on the following account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXI request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments.If unable to furnish such proof .I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I am dispute inaccuracies in my credit report and to address potential violations of the Fair Credit Reporting Act ( FCRA ) concerning the reporting and verification of a bankruptcy ( Reference Number : XXXX ) that was allegedly discharged under XXXX XXXX 

Failure to Verify Information with the Original Creditor : It has come to my attention that Equifax has reported the above-referenced bankruptcy without verifying its accuracy with the original creditor. This constitutes a violation of the FCRA, specifically : b. FCRA Section 609 ( a ) ( 1 ) ( B ) : This provision requires the disclosure of sources of information, which in this case, would include verification with the original creditor. The failure to verify the disputed information with the original creditor violates this requirement.
Product: Mortgage

Now that I have received response from two entities none of the respondent provided information that is in dispute in full. Wells Fargo Bank now after many, many years later came with phony reason DATA BREACH. CFPB go back and look my complains and how many years I have been filing complain of entire were brush out. Data breach is not committed by account holder. How data breach took place and after so many years admits data breach took place is just phony. 
No, its great negligence and abuse of trust documents and personal information were mailed for many years and would have continued. The reason those stopped when we opened checking account and staff knew us. 
Its total and total phony loss of responsibility for Wells Fargo Bank to commute crime twice.
Product: Mortgage

I am XXXX XXXX I am a XXXX. 
I called Loan Care Loss Draft at XXXX XXXX  XXXX XX/XX/2023 I spoke with a person who did not identify who they were. They Never Do Loan Number # XXXX Property Address XXXX XXXX XXXX XXXX  XXXX CO XXXX. 

Loan Care has told me and my client XXXX XXXX XXXX that they were sending out his final payment that Loan Care has been holding since XXXX of {$17000.00} The person I spoke with today is very vague about what exactly XXXX XXXX needs to send out his payment to him. But of course, no payment will be sent if we don't do exactly what they say.

Previously I've had a rep say you need to send us a piece of paper saying what he's been paid- I said okay what amount is that- she's like uhhh let me check -- after a few minutes she comes back with I'm not sure but we can't release payment until we get that- that was someone else earlier this year and they did send out partial payment- everyone has a totally different set of rules they tell us and our clients to do to get their money. 

XXXX XXXX has been waiting on his final check of {$17000.00} since XXXX. He requested a {$15000.00} draw months ago that he never got and never was told he wasn't going to get. 

XXXX mailed Loan Care a {$62000.00} check around XX/XX/2023 and they release back to him {$45000.00} XX/XX/2023 and they are holding the rest. 

It is unjust to make our country 's elderly veterans jump through hoops and call numerous times to try to figure out how to pay their contractors. This has caused XXXX XXXX XXXX worry and stress he is underserving of. 

I as his friend but also his XXXX have the responsibility to seek answers for him that your rep today tried extremely hard to not give us. 

This job has been done, we sent in the certificate of completion. Loan Care makes no effort to contact XXXX XXXX or the XXXX with items needed. They have lied for months that they're sending out payment- Infact the lady today said the check was sent out then canceled? XXXX XXXX has not received a check let alone a cancelled one. 

Please review this call today to improve your reps training. This isn't a game to keep someone's money the longest- you are unfair to people who have done nothing to you.
Product: Consumer Loan

Yes we my wife bought a car and in order for her to get the car I had to sign in on the note as well. Right now we are separated and have been for a year she got a rent house to stay along with my son and I 'm paying child support as state order we both had jobs that downsized which changed our income tremendously and I 'm staying with my sister and husband. Now I 'm trying to get a place for myself to live but GMAC has a suit on me and I was denied a place to live because of it with no idea of the suit.My name is XXXX XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX XXXX, Texas XXXX ... XXXX ... ssn XXXX. But the return on the automobile was vouluntarily on my wife part because she got a better car for the prices and it was stated to her to do that..my its affecting everything I want to do..it just killing me to get ahead here.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a telephone mobile account opened at XXXX XXXX on XX/XX/2019 under the account number ( # XXXX ) with the amount of {$2600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX Equifax and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXXXXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXXXXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX failed to pay the accounts off. I was told of " Account Protection '' should I  become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXXXXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXXXXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See  what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX is following through on the Court XXXX?
Product: Student loan

On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.
Product: Debt collection

This is a matter of a purported debt owed to their agency, which I adamantly contest and refute. It has come to my attention that this agency has been pursuing collection efforts against me for an alleged debt, despite the absence of any contractual agreement between us. 

I want to make it unequivocally clear that I have not entered into any contractual agreement with this agency, nor do I acknowledge any obligation to pay the alleged debt. Furthermore, I assert that the basis of their claim is fraudulent and in violation of consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have previously lodged a complaint regarding my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.