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

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, Experian XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Product: Checking or savings account

Hello, I opened my Huntington XXXX XXXX Checking account in branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open a checking account. 

Promotion conditions are followings : To qualify for the {$600.00} cash bonus, you are required to open a new, qualifying Huntington XXXX XXXX Checking account by XX/XX/XXXX and make cumulative new money deposits into your new Platinum Perks Checking account of at least {$25000.00} or more within 90 days of account opening and keep your account open for 90 days. 

If you opened a Huntington XXXX XXXX Checking account, your {$600.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. Your checking account must remain in open status to receive the bonus. 

I have met all promotion conditions, but Huntington didnt pay me {$600.00} bonus. Please help me to investigate what happened and deposit {$600.00} bonus into my account. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Account is currently frozen and Im unable to do anything.Have sent what requested and since 10 days no update I Have seen their XXXX, I'm shocked!!. What does it cost to hire cheap external agents to handle customers ' requests and build their reputation? I don't understand how a business owner can play like this with its money by handling customers like this and in A SUCH SECTOR??! Pfff one week for a frozen account, and as I see it's fully normal with them??!!! I'm using other cryptos platforms like XXXX and XXXX  too, and it's another world in terms of customer care. Frankly, Have never seen a website treat customers like this, again I'm shocked.If I could turn back the time I would never deposit to Gemini, I wouldn't even register. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continually reports debt not owed by myself after several attempts to resolve the issue.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to report an issue I am having with my mortgage company, Nations Lending. After my house fire in XX/XX/2023, Nations Lending used a third party, the XXXX XXXX XXXX XXXX, to distribute claim funds from my escrow account. However, they have withheld payment of the remaining funds, which amount to nearly {$17000.00}. 

Although the contractors completed the necessary work in XX/XX/2023, Nations Lending is refusing to release the final check Despite our attempts to communicate and resolve the issue, they have been unresponsive and uncooperative. They refuse to put anything in writing or give us a number or name of someone to contact. 

I am extremely concerned about the potential legal consequences of this situation, as my contractor, XXXX, has already contacted his lawyer and is threatening to sue me for punitive damages. 

I would greatly appreciate your assistance in this matter. Thank you for your time and attention. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX CARD Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I received a notice from XXXX XXXX XXXX on XXXXXXXX  responding to a notice I wrote to the company on XXXXXXXX  in regard to an account number ending XXXX being reported inaccurately on my consumer report, Your company responded back saying you investigated, and the account was accurate, I never asked for you to do an investigation on this account, I explained that the company was reporting inaccurate /incorrect information on my credit report. Since XX/XX/XXXXXXXX  you have been reporting XXXX as a charge off, a charge off is considered a certificate of indebtedness and according to the IRS a charge off is considered income and income does not get reported to the consumer report and must be filed on your taxes even if it's under XXXX dollars, according to the IRS. Pursuant to 15 USC 15 1681s-2 it is XXXX XXXX XXXX  responsibility to provide accurate information. To continue to report this inaccurate information on my consumer report is a FCRA violation. You have been put on notice that the information you are reporting is inaccurate. Your company is also in violation of 15 USC 6802, you were not supposed to share or sell my nonpublic personal information to a nonaffiliated third party for profit without my consent, Experian, XXXX, and XXXX are all also third party nonaffiliates, you were not supposed to share my information without giving disclosure in writing or electronic form that such information may be disclose and giving me the opportunity, before the time that such information is initially disclosed, to direct me on how I can opt out of my information not be disclosed. Pursuant FCRA 15 USC 6803 you violated my privacy rights, you were to maintain and protect the confidentiality and security of my nonpublic information. even if I ceased to be a customer of your financial institution, I never gave you consent to share or sell my identifiable information you violated the Privacy Act of 1974. You are now put on notice that you are reporting inaccurate information, and you are in violation of my Federally Protected rights, as a natural person.
Product: Checking or savings account

On XX/XX/2024 I received a call, the caller ID coming across as Wells Fargo. The caller identified himself As a Wells Fargo employee and said he wanted to report some suspicious activity on my bank account. He read off some transactions in an area 2 hours away from my house that I did not recognize. I advised the caller that these were not my transactions. The caller then advised me he would cancel my current debit card and reissue a new one. The caller then transferred me to another line and had me create a new pin number which I did on my cell phone keypad. The caller also ask for my CVV code which I gave to him.The caller continued and said a new debit card would be on it's way within 7 business days. The caller had my home address he verified it with me The caller also offered me to stay on the line to wait for the XXXX tracking number. The next morning I checked my bank account there was more fraudulent activity. I immediately immediately called Wells Fargo customer service asking them to verify that my debit card had been cancelled. I was advised that it had not been canceled and was still in use. At that time I realized the call from the night before was a complete fraud I immediately filed a claim with Wells Fargo which they have continued to deny This fraud consist of 15 transactions totalling {$9600.00}. My case with Wells Fargo has been escalated, however, they continued to deny it, saying that the card was in my possession the whole time, my PIN number was used and they showed no evidence of any fraudulent activity. I've filed police reports in the 3 jurisdictions wheere these fraudulent activities have taken place. I'm also currently in the process of taking this fraud case to small claims court. My husband and I have been long time customers of Wells Fargo We have no criminal records we've paid off loans with Wells Fargo and have a good credit history. Unfortunately Wells Fargo is taking none of this into consideration They haven't even gone through the effort of obtaining video footage even though one of the transactions took place at their bank In XXXXXXXX XXXX At this point I'm looking for any help or suggestions. And I'm hoping the word gets out there because I'm sure I'm not the only victim. I'm also hoping word of my case gets out there in an effort to show people how Wells Fargo treats their victims of fraud and how they have handled this case without thoroughly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX from XXXX XXXX PayPal Credit XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and Capital One.
Product: Student loan

This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank
Product: Debt collection

CFPB XXXX XXXX. XXXX XXXX XXXX XXXX just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this
Product: Credit reporting or other personal consumer reports

Iam filling this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s-2 Neglect in ensuring the furnisher of information comply with their obligations.

15USC1681i ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of absolute information in my credit report.

I have sent multiple dispute letters to Experian but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence i provided.

To make matters worse i have learned about the recent CFPB law suit against Experian ( CFPB ) sues Experian for Sham investigations of credit reports which highlights that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has signific ally impacted my ability to access credit housing and employment opportunities causing me Financial and Emotional distress. 
As a result of Experian '' Non Compliance my credit score remain inaccurate these are the accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/XXXX To Whom It May Concern, I am submitting a formal complaint against both Current ( Finco Services , Inc. ) and XXXX XXXX XXXX regarding their lack of action on a large chargeback involving my son 's teen prepaid card. 
Summary of Events : On XX/XX/XXXX, my son noticed several fraudulent transactions on his Current card. He quickly noticed that there were XXXX unauthorized transactions. These included : XXXX transactions at a gaming site, XXXX ( https : //blitz.gg/ ), totaling {$100.00} ( XXXX transactions of {$5.00}, XXXX of {$20.00}, and XXXX of {$35.00} ). 
XXXX large transaction from XXXX ( XXXX XXXX XXXX  ) for {$480.00} ( transaction ID XXXX on XXXX at XXXX ). 
To clarify, my son never initiated any of these transactions and has never shared his card with anyone. His card was likely compromised or skimmed prior to XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Current customer support via their app to report the fraud. I was instructed to wait until the transactions cleared before submitting a chargeback. In the meantime, I canceled his card and was issued a new one. I then submitted a chargeback for all XXXX fraudulent transactions on XX/XX/XXXX. 
XXXX of XXXX : XX/XX/XXXX : XXXX credit was issued for all transactions except the XXXX charge ( {$480.00} ). 
XX/XX/XXXX : The disputes for the XXXX smaller transactions were resolved in my favor, and the total of {$100.00} was credited to my son 's account. 
XX/XX/XXXX : I reached out to inquire about the XXXX charge and was informed that no dispute had been filed for the {$480.00} transaction, though no clear explanation was provided as to why. Given that I had filed a chargeback for all XXXX transactions, this was a confusing and frustrating response. 
A supervisor later emailed me stating the same. I asked to submit a chargeback for the XXXX charge, and I requested an expedited process. ( please see attached email exchange ) Ongoing Issues : On XX/XX/XXXX, I contacted customer service again, only to experience further delays and unhelpful responses. The agent insisted that I resubmit the chargeback, despite the fact that I had already done so, and no progress had been made. 
This situation has resulted in my XXXX son being denied access to {$480.00}, which is rightfully his. The entire customer service experience with Current has been abysmal, with agents who are unhelpful and repeatedly place customers on virtual hold without offering any resolution. 
XXXX Requested : I am requesting the immediate reimbursement of the {$480.00} for the XXXX transaction to my son 's account. This ongoing issue must be resolved promptly. 
Please contact me if you require any further details or documentation to assist in resolving this matter. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statement and payment confirmation.

I have confirmed with my creditor that the payment was processed on time, and there was no delinquency on the account.

There may have been a clerical error in reporting the payment, leading to the incorrect late payment entry.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries listed below and also there is a identity theft report attached with all fraudulent inquiries that are being reported to TransUnion Fraudulent TransUnion inquiries XXXX  XXXX XX/XX/2022 XXXX XXXX Card Services XX/XX/2022
Product: Debt collection

XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really mine.
Product: Debt collection

Creditor Information Opened XX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Balance : $ {$81.00} Original Creditor Name:06 XXXX XXXX I have paid this balance of twice, once XXXX  and once to CCS on XXXX XXXX. CCS stated that they would mail me a receipt within 8 business days, I never got this letter confirming proof of payment. I called them back today XX/XX/XXXX to have them solve this issue and they have no record of payment. I told them " I want this off my credit, it's only {$81.00}, I will even pay again today if you can send me proof of payment via email today so that I can have a receipt which is fair ''. CCS denied to send me proof of payment if I made one today, and denied to accept my payment. How can I resolve this matter if company does NOT provide receipt for future records. Please help, this is only {$81.00} we are talking about, I will pay for a third time all I am asking for is a simple confirmation # or anything that can protect me as a consumer. I can not wait 8 days to get a receipt if I am paying today. hope this makes sense. Thank you
Product: Credit reporting or other personal consumer reports

In 2014, there was an attempt of someone trying to steal my identity, which I informed the credit bureaus of, and Trans Union placed a lock on my account. And now has my account locked permanently for the rest of my life, is what they told me. That I will have no access to any digital form of my credit report ever again to protect my credit.

I reported the same identity theft to XXXX an XXXX, and they both put a note on my account, but I still have access to both of those accounts. Trans Union has been holding my account hostage for the last decade. Per the reps at Trans Union, the only way I can get my credit report is to call on the phone and request that it be sent to me. I have had this argument multiple times with them over the years and I get the same response every time that they will never give me access to my account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Product: Credit reporting or other personal consumer reports

My credit report shows student loan default. I have NEVER agreed to or authorized anyone to obtain any student loans under my name and/or personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

BECAMER  XXXX  TOLD BANK TO ACTIVATE THE INSURANCE AS I HAD A   XXXX   XXXX   XXXX   BANK INSURANCE SHOULD PAY IN FULL THEY DIDINT THEY COMMITTED FRAUD
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI