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

I, XXXX XXXX, went in to the Wells Fargo XXXX, VA branch on XX/XX/XXXX and brought the necessary documents to file a small estate affidavit for my dather- XXXX XXXX XXXX His address was XXXX XXXX XXXX in XXXX, VA XXXX. His was a veteran. I am his only heir. His birthdate was XXXX. I had called WF priorto going in... but was not told i needeed a appt. ( I already, as his sole heir, sent in the death certificate to WF and others ) I ended up being there approximately 5 hours. I filed a fraud for transactions made on his acct after he was dead ..after being asked. I provided my birth certificate, license, death certificate, social ..my dad 's XXXX... everything. I was told a decision would've made in two weeks ..given a claim number and a phone number. I called and was told after about an hour of transfers they couldn't talk to me. Call back tomorrow and get the acct number. I asked why they had not sent a letter, email or called themselves ..and do they need more info. Just call back. So I did. Again ..the run around. I am asked for all the info... acct... birthdate ..my info... etc ... to each transfer. Then put on hold forever by XXXX ..who says they need more info. So I tell them to call me or what is it. They can't talk on phone. I have to make appt with the branch. So I call the same gentleman who filled out the info ..to see about what they need as not to extend it longer. And makes an appt for 5 days out for me to come in. Fir what? I guess to drag things along? This is approx {$6500.00}. I have XXXX XXXXXXXX and am sick. I don't want to go back in for five hours for who knows what???? With my young kids. I can struggle walk ... drive... am in pain and can't take my meds if I go in... yet again. I'm XXXX. My dad would be disgusted. He was found XXXX XX/XX/XXXX. The bank provided me a print out of the transactions after his death.
Product: Credit reporting

Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.
Product: Credit card

I received a no promotional for my account in XX/XX/XXXX and I was told I would not have any interest. I charge $ XXXX on my card. I paid my balance down to {$560.00} by XX/XX/XXXX. On XX/XX/XXXX, I was charged {$300.00} in interest. I contacted Carecredit about the charge and I was told that I had to pay all of the balance. I explained to the representative that I was told I would not be charged any interest for the balance for 1 year. He indicated that the balanced had to be paid off completely. I explained to him that this was not what was communicated to me. He offered for let me pay the remaining {$560.00} off by XX/XX/XXXX and they would wave the {$300.00}. I explained to him that I could not pay the amount off by then and asked if there were other arrangement I could make to pay the balance off and get the interest refunded and he stated, no.
Product: Credit reporting or other personal consumer reports

I contacted the credit reporting agencies ( XXXX, XXXX, and experian ) I also connected the creditors directly ( XXXX XXXX and XXXX XXXX ) I left them know about the inaccurate items on my report. I did not request for the information to be investigated I am asking for it to be deleted since no one has sent me any proof that the items were actually correct. If I was actually late when they reported I was then all of my reports should reflect the exact same information but since it is not. That is considered inaccurate and unfair reporting the information should be deleted since no one has been able to send proof of a notice stating that I was late or that a late payment would be reported to my report. This is causing me great financial distress I would like the credit reporting agencies and the creditors to correct this situation so that my report maybe accurate and fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX and XXXX that Navient is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. Navient correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} Navient 's practices are deceitful and dishonest. Navient is making it sound as if this {$29000.00} took 29 years to pay off and its harming my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and i still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 30 days so those items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation due to the stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

My mortgage was sold while on a forbearance government program to SPS mortgage company. SPS initially failed to honor my forbearance program and a complaint was filed with the XXXX to get them to honor it. Fast forward to XX/XX/XXXX I get a call from a representative from SPS who tells me my mortgage was caught up until XX/XX/2020 from my forbearance program and that money was sent in by my county to cover the missed mortgage payments and that I could end my forbearance since my account was caught up. They took me off the forbearance program reversed the payments and then reported to my credit agencies as me being late. Basically they committed fraud and lied to get me To end my forbearance program :
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Credit Karma Inc Re : Credit Reporting Violation From : XXXX XXXX Last 4 digits of SSN : XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C 1681 section 604a section 2 that states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize, neither did I give permission for my credit to be ran. Running my credit without my authorization comes with a {$1000.00} penalty per inquiry. 

Violation # XXXX : From XXXX Dates of violation ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXXair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .I send to them a dispute to verify it which they said it accurate which was not and they illegally change all the information soon as I send them the inaccuracy. Which by the laws should be deleted. The company should be charge for those illegals activities, I'm sure many people are victims by those illegal activities.THEY violating the credit reporting laws. WHich they violating the laws in front of all the XXXX credit bureaus and they still gave them the power to remain on my credit report which is unfair.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to TOYOTA MTR XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TOYOTA MOTOR 's customer service representative.
Product: Debt collection

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for XXXX XXXX now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Product: Mortgage

Provided by XXXX XXXX XXXX XXXX & XXXX claims XXXX XXXX XXXX XXXX XXXXXXXX  Claim numbers XXXX XXXX In Cfpb complaint no. XXXX president/ceo XXXX XXXX of XXXX XXXX XXXX stated that XXXX XXXX XXXX XXXX XXXX are the underwriter of the wells fargo transaction to XXXX XXXX XXXX/XXXX/XXXX. 

In XXXX XXXXXXXX response of cfpb # XXXX she stated that XXXX provided me a mortgage loan for XXXX on XXXX/XXXX/XXXX. I AM ABSOLUTELY SURE THAT MY MORTGAGE LENDER ON THAT DATE WERE XXXX XXXX AND MY SERVICER JP MORGAN CHASE TO ITS END. 

Also she states that XXXX conveyed the property to XXXX XXXX as XXXX. That also is not what happened on XXXX/XXXX/XXXX shows a quit claim sale for XXXX from XXXX to XXXX XXXX. 

Please clarify in writing of your role in this matter to clear up the confusion as other agencies keep describing your role without a written clear answer from you.
Product: Credit reporting or other personal consumer reports

Reported bankruptcy ( XXXX ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by XXXX XXXX XXXX XXXX all three XXXX XXXX Experian and XXXX after I opted out and issued each agency a cease and desist several times
Product: Credit card

Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called troy capital llc. has been running a hard inquiry on my credit without my approval This is the second time this year that this company has ran a hard inquiry on my credit And it's concerning that a company I have no knowledge of, would have my personal information and run my credit without my knowledge or approval Date of inquiry XX/XX/2022, was the first time i disputed the inquiry and XX/XX/2022 is when did another inquiry
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit report says XX/XX/XXXX do the XXXX XXXX  program up credit repair that I paid a lot of money for only to be disgustingly misuse and abuse by the address I was living at at the time I was doing my credit repair myself through the XXXX XXXX program I do appreciate. Recently I found a house on my credit report as fraudulently added and placed on my birthday XX/XX/XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX as I'm living in a Section 8 Housing Authority who refuses to change my name to my legal name I just changed it to as of XX/XX/XXXX through Judge XXXX XXXX XXXX XXXX XXXX XXXX after giving my new birth certificate new Social Security card to my caseworker XXXX XXXX and her supervisor mr. XXXX XX/XX/XXXX but was refused. Then after I find this illegal house under my information on my credit bureau report I advised her superiors and that has been nearly a month ago and have not received any response. This morning XX/XX/XXXX XXXX XXXX. I went to my mailbox and found Experian after I submitted my fax regarding illegal information on my credit report on the XXXX of XX/XX/XXXX and their response shows dated as of XX/XX/XXXX coming to my home leaving out my last name XXXX. This whole credit report has been a traumatic experience and I wrote it 2 hours because the first hours was intercepted through the identity thieves and government official vehicles. I have to admit it my complaint in full document form to you and to Experian to fix my credit report and my name as it should be as of XX/XX/XXXX as it should be XXXX XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX they came to my home address to my current address after I submit it affects to them showing what my name is already supposed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As per a " scam '' to gain money, they had a promotion ( oddly enough they changed the name of the promotion quickly to something else ) to gather direct deposit of at least {$1000.00}, plus {$25.00} fee to open the account, which I did in the timeframe per details ( less than 3 months ). I even made sure with the banker in person several times in the promotion time ( XX/XX/XXXX to XX/XX/XXXX ) that I should be getting funds and that all conditions were met. I was supposed to get an additional {$200.00} as per promotion for that. I never got any money added to my account, no interest, nothing. I was SCAMMED! I want this US Bank closed immediately and fined for stealing money!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my XXXX XXXX information to apply for XXXX XXXX XXXX XXXX  ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.
Product: Bank account or service

On XX/XX/2016 I use chase bank atm on XXXX XXXX XXXX XXXX XXXX tx XXXX. The atm gave me back part of my deposit but kept {$220.00} of my money and gave a receipt with a XXXX to call. I filed a claim with chase and they are stating they ca n't find the funds. I really need this issue thoroughly looked into because I want my money back.
Product: Credit card or prepaid card

On XX/XX/2021, I personally reported my XXXX Netspend card stolen on the Netspend app and I subsequently placed an order for a new card. On XX/XX/2021, around XXXX XXXX PST, I called the Netspend customer service line at XXXX and several customer service agents gave me the runaround by not answering my questions after giving them a ton of personal identifying information. Each agent that I spoke with verified the information several times and ended up not assisting me with a replacement card nor have they answered my questions. Instead, they kept putting me back on the automated recording where the system did not recognize my SOCIAL SECURITY # I was able to verify my account with before.