23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase I'm filing a complaint After disputing with all three reporting company 12 times and they are not fixing my problem so I have started lawsuits on all three so now I'm disputing direct with you I found a lot of FCRA violation on account XXXX first violation is fcra 623 & 806 B you are not entering the consumer dispute marks on none of the reports after you have verified this account The law states that a creditor must Must enter this information because it CAN NOT REPORT ON THE CONSUMER REPORT. this is a violation of the FCRA you could be sued {$1000.00} per bureau. violation number two you stated that this account has been closed but you are still reporting a monthly payment this is also a violation of the FCRA another {$1000.00} per bureau. so please delete this account asap due to the violation of the fcra The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. chase DO NOT TAKE THIS AS A THREAT BUT I'm sick of dealing with the credit reporting company I'm taking action one down and two more court dates coming up here very soon
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is Discover Financial XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a child support account with AL Dept of Human Resources on my credit report as 120 days past due when the account has been paid since XX/XX/2020. The comments even show that the account is PAID. However, the account status is STILL reporting as 120 days late. I have disputed this account as inaccurate and pointed out why multiple times. The account is still reporting the same way.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Consumer Loan

On XXXX XXXX I changed insurance companies and notified Wells Fargo of the change. Since that date Wells Fargo has sent me letters requesting the new insurance. This documentation has been provided on a least XXXX separate occasions by my insurance agent. On Friday XXXX XXXX, my insurance agent was contacted by Wells Fargo and once again, the insurance was provided. On Monday XXXX XXXX I attempted to pay off the car loan and I was told that forced insurance had been placed on the vehicle. I now owed additional funds. Myself, my insurance agent and a WF agent had a XXXX way conference call and I was told that everything was taken care of. I was forced to pay an additional {$300.00} XXXX estimate ) in order to pay off my car loan. On XXXX XXXX, I was informed that my car loan was not paid off and that the process to get my title and the money I am owned could take several weeks. This is a deliberate and malicious attempt to keep money that does not belong to WF. In normal language, WF are stealing my money. WF will not release the title to my car, which means WF is denying me opportunity to sell my own property. The longer WF keeps my money, the longer they gain for having it and the longer I lose from not having it. WF keeps bouncing me from one department to another and no one seems to be in a position to offer help. One of the representatives I talked to admitted that this was a common problem. It is apparent that WF system is designed to make the customer jump through numerous hoops just to get their own money back.
Product: Checking or savings account

On XX/XX/20 I electronically deposited {$7000.00} to my Bank of America checking account from a XXXX XXXX checking account via the BofA mobile app. We left the next morning on a week 's vacation We returned from vacation on XX/XX/20 and noticed that the above deposit did not show nor was there an email receipt. I then redeposited the same check thinking it did not get properly processed. I received a confirmation email at that time. On XX/XX/20 the second deposit first cleared and then reversed due to it registering as a duplicate deposit. We then checked the XXXX account to find that the check, # XXXX, cleared the XXXX bank on XX/XX/20. 
On Tuesday XX/XX/20 we followed up with XXXX fraud who discovered the check was in fact deposited into a BofA account owned by XXXX. In addition BofA honored the {$7000.00} deposit on XX/XX/20. 
On Tuesday XX/XX/20 BofA reversed the {$7000.00} credit, an explanatory letter was mailed which I have not yet received. 
On XX/XX/20 I spent 2 hours with various BofA persons, in person and on the phone to try and rectify the problem to no avail. They ended up telling me to talk to XXXX there was nothing more they could do. XXXX suggest I wait to see if the letter indicates how the {$7000.00} is being dealt with, perhaps it will be returned to my XXXX account. As of today it has not been returned. 
According to the XXXX fraud team the original check was first processed on XX/XX/20, sequence number XXXX, check number XXXX. The second deposit attempt on XX/XX/20 was sequence number XXXX and was immediately debited back out as a duplicate deposit. 
No one either at BofA or XXXX XXXX can advise me of what I need to do to get my money returned. 
I am attached a check image of the processed check from XXXX.
Product: Debt collection

I am not liable for this debt with XXXX  and I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}
Product: Bank account or service

On or about XX/XX/2017, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX in XXXX, CT with a friend. Both he and I have accounts with the bank in that branch. My friend was going to deposit a payroll check made payable to his father, who also has accounts at Wells. The check was legally endorsed " Pay to the order of XXXX XXXX '' and signed by the payee XXXX XXXX. XXXX signed the check under his signature and tried to deposit it in his account. The bank flatly refused to accept the item for deposit saying the payee of the check HAD to be physically present. 
It is my understanding, and I was also told by a Wells Fargo Customer Service phone rep that once endorsed over to XXXX, he could legally deposit the item in his account. 
The manager and branch personnel were adamant that " there is nothing we can do. '' Aside from the rude manner in which we were treated, the manager and branch personnel inferred ( and all but came out and said ) the item was a bogus item and we were trying to somehow scam the bank. Based on Wells Fargo 's HISTORY of scamming the public with falsely opened accounts, fees, employee quota systems, etc. I found this reprehensible. 
My question is : Can the bank refuse to honor an item that is properly and legally endorsed over to a third party, and an item by it 's endorsement, that he legally has the right to? What are my options with regard to taking any action against the bank or branch personnel. I was unable to obtain the names of the personnel involved as they stated when asked " we do n't give out last names or other staff information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

It doesnt show an amount anymore but I thought there was a law passed where medical debt have to be removed and this company still has this on my report
Product: Debt collection

Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed. 

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX
Product: Checking or savings account

My problem is with Wells Fargo Bank they said that I was overdrawn but they have never paid me any money they always returned it and never paid it.

Now they say that my account was overdrawn by XXXX, which is not true is my Social Security retirement funds of {$450.00}, they were very rude with me and I told I was going to sue them and they said that was fine them.
Product: Credit reporting or other personal consumer reports

I was victim of fraud, on XX/XX/XXXX I sent letter to XXXX XXXX XXXX  to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name .i would like this to permanently delete from my credit report
Product: Credit reporting or other personal consumer reports

IN XXXXXXXX XXXX XXXX XXXX.. ..IT WAS REPORTED ON XXXX DIFFERNT CREDIT BUREAUS I WAS LATE WITH MY PAYMENT DUE ON AUTO LOAN WITH XXXX XXXX  ... XXXX XXXX REPORT WAS REPORTED XX/XX/year> LATE ... ..THIS IS NOT ACCURATE ... ..I WAS REPEATEDLY TOLD IT WAS NOT THEIR FAULT THAT THE MAIL WAS SLOW AND IT WAS DUE TO NO FAULT ON THEIR PART THEY REPORTED THE PAYMENT LATE/PAST DUE ... ..THEY COULD NOT CONTROL THE MAIL ... ..ESPECIALLY DURING THE XXXX XXXX RE : THE XX/XX/year> PAYMENT ... ..THEY WOULD NOT GIVE ME ANY IDEA WHEN THEY RECEIVED THE PAYMENT ... ..HOWEVER JUST 2 DAYS AFTER MAKING THIS/ANOTHER PAYMENT VIA TELEPHONE ... ..THEY INDEED PROCESSED THE MAILED PAYMENT SENT FROM MY BANK... ..I HAD TO CANCEL THE PAYMENT BECAUSE OF THIS ... XXXX PAYMENTS FROM MY BANK WERE ON TIME WITH NO ISSUES PRIOR TO THIS XX/XX/year> PAYMENT ... ..LASTLY IN XXXXXXXX XXXX XXXX ... XXXX REQUESTED XXXX XXXX  TO INVESTIGATE PHONE RECORDS OF ALL THE TIMES I CONTACTED THEM IN AN EFFORT TO TRY AND NOT RECEIVE A LATE PAYMENT REPORTED TO THE BUREAUS! NEITHER WOULD THEY TELL ME WHEN THEY RECEIVED THE PAYMENT ... ..AND I SEVERAL TIME INQUIRED IN AN EFFORT TO TARGET THE ISSUE OF THEIR UNTIMELY PROCESSING OF THE PAYMENT DUE TO AN INFLUX OF OTHER LOAN PAYMENTS OR FOR ANY OTHER REASON THAN IT WAS PROBABLY DUE TO HOLIDAY MAIL ....
Product: Mortgage

I have been working with Central Mortgage Funding for at least 2 months. Completed all the paperwork, paid the full amount for a home appraisal, did everything I was asked to do. There were two issues with my appraisal. 1. I have to replace the front window. The window has been ordered, and I have someone to install it. 2. I have to relocate my sand point well. This I can also do and have help to accomplish. 

XXXX XXXX of Central Mortgage Funding told me after receiving the appraisers report I should just sell the house and quit dealing with me. He has disappeared into thin air. His company also will not respond to my emails. 

This also is a legal matter as I have to refinance to get my ex wife off the loan and I have made this clear. 

I have had no response whatsoever in a week even when I have asked multiple times for information/explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent identical investigation requests to Equifax, XXXX, and XXXX XXXX back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from Equifax or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

myEquifax. NUMEROUS online complaints in regards to this exact issue w/ myequifax online accounts. 
- Attempting to create and access 'myequifax' online account - ability to freeze and unfreeze credit report online. Unable to log in to myequifax account. Unable to reset password, etc.
XX/XX/19 - "Issue with account". Asked to fax copies of SS card and DL Completed.
XX/XX/19 - Called myequifax - was told that my info had been received, but that my account was never updated. Same date - via phone (XXXX) they updated e-mail address and asked me to try to reset my password again in 24 hours. They also "thawed" my report at my request. I requested a thaw through XX/XX/19. 
XX/XX/19 - myequifax told me that my account was never created and that myequifax is escalating to a supervisor. Wait 7 to 10 business days... (Although I was told previously that my account had been created). I was also told that my report had actually only been thawed for 24 hours - ending on XX/XX/19... Contrary to my request of XX/XX/19. 
XX/XX/19 - AGAIN myequifax via phone tells me that my online account is created. But that there is an "issue" with the account... "We are escalating to a supervisor". Wait 7 to 10 business days. 

XXXX (myequifax) seems to go to an overseas call center. VERY loud and VERY difficult to understand agents - talk very fast and difficult to understand them. Agents are using alias names. Seems that with such sensitive info that this is not a good process... 

No resolution to date. 

No issues with XXXX or XXXX.
Product: Credit card or prepaid card

Comenity bank has been down since last week. No access to online account to make payments, check balance and card is being declined. They did not inform their customer everything would be down for more than a week and can not provide an non generic answer. This seems like they were hacked or held for ransom and are not notifying their customers. This is unacceptable!
Product: Checking or savings account

Bank of America direct electronic withdrawal from my personal checking account in amount XXXX dollars while XXXX XXXX on vacation drawn on XX/XX/2021 I came on XXXX next day went to local branch in XXXX XXXX file complaint and it is fraudulent withdrawal reverse the amount XXXX to my account In XXXX return it back In XXXX they ask me to close my account and open new one which affected my score I went again in XXXX the agency with Fraudulent department ask me to file complaint in my local police in XXXX XXXX Bring it back to them which I did still they did not give my money back
Product: Payday loan, title loan, or personal loan

XX/XX/2021 and again at XX/XX/2021 They refuse to cash in the check that was sent to them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

Freedom mortgage has reported false and misleading information to all 3 credit bureaus regarding a late payment on my mortgage. No payment was ever late! ( see Freedom Mortgages attached response to XXXX complaint ) Facts are : There was a {$63.00} increase in my impound account - which was not communicated accurately to me by Freedom Mortgage.. In XXXX of XXXX I received notice from Freedom Mortgage, indicating that there was a shortage to my impound account of {$300.00}. When I spoke with a Freedom Mortgage representative, I was told that I could pay off the shortage or have it included in future payments. I paid it off on XX/XX/2021. That was that and I moved on, believing the issue was resolve. 

What I was not made aware of in that phone call, was that there was an additional $ 63 monthly increase. As such, I continued making my automatic bank pay normal payments of {$2000.00} on both XX/XX/2021 and XX/XX/2021. NO PAYMENT WAS EVER LATE!! As I recall, my 1st notice of the {$63.00} increase was via a call from Freedom Mortgage on XX/XX/2021 stating that the {$300.00} that I paid on XX/XX/2021 did not address the impound account increase of {$63.00}. They asked me to pay it over the phone right then, but I was in a conference with a client and advised them I would try to make it later that day. I got busy and forgot about the increase payment. I was not concerned as I knew that my house payments were on automatic payment from my bank and I had time to pay the increase. Payment bringing the entire account up to date was done within 13 days of receiving notice. 

I never in a million years thought that this {$63.00} impound increase would result in such punitive and intentionally destructive conduct by Freedom Mortgage. It wasnt like they paid out a single XXXX or that they were forced to cover the increase out of their funds. Not only are they aware that they have caused my credit to decrease by XXXX points ( which is amazing on its surface ), but they have even exaggerated their false narrative of late payments by reporting the account as " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE '' which shows their true intent on intentionally hurting my credit. Additionally, theyve made it clear they intend to report this for the next 7 years. If thats not vindictive and punitive conduct, I dont know what is. 

Freedom Mortgage says they are required by law to report accurately. They are in violation of that requirement, as they have admitted they received the timely {$2000.00} payment on XX/XX/XXXX, but placed it into an unapplied funds account. Freedom mortgage has deceived the 3 credit bureaus and will force me into litigation if this is not resolved fairly. 

I thank you in advance for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX