23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered that my identity has been used without my permission, and inquiries have been opened in my name fraudulently. I want to make it clear that I did not authorize these, and Im asking that these inquiries be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Family Support Division account # XXXX 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
Product: Debt collection

I.C system Inc amoumt {$3800.00} date XX/XX/2021 I tried to file a dispute I dont know what this is I have no knowledge of this account and it putting a negative impact on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Money transfer, virtual currency, or money service

A man from the phone number ( XXXX ) XXXX ( XXXX, MI ) tried calling me and said he represented CashApp. He tried saying that a transfer of mine wouldnt go thru. I knew this was a scam as I have not made any transfers with Cashapp in some time. He asked for my login credentials and I denied him and asked if he was a scammer. He quickly hung up the phone. I did not fall for his scam but I wanted to report him.
Product: Debt collection

One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr DPT TREASURY  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX, XXXX  XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

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 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

A conventional loan was started on my single family home in XX/XX/XXXX with XXXX XXXX. All payments were made to XXXX XXXX  on time. The loan was sold to Bank of America within a few months and this is where the problems began. After several modifications due to possible home loss, it was financially difficult to keep up with my loan. Although I was behind on several payments during the loan process, I continued to work with the bank and kept up with the loan payments as best I could. In XX/XX/XXXX, my loan was sold to a loan servicing company called XXXX XXXX  XXXX. I continued to ask Bank of America, who was the company and why was my loan sold but they replied, you must talk to XXXX because your loan is no longer with us. I received the new paperwork in the mail but no one could explain the paperwork to my satisfaction. I continued to make payments to XXXX and I'm pleased to say I haven't missed a payment and I'm up to date. Throughout the long fourteen years of making payments close to {$1000.00} per month, one would think I would've paid at least half my home off. Instead, I'm left with owing {$150000.00} on a {$170000.00} original payment. So can you help me by contacting each lender and explain how my money was spent and ask them ( XXXX XXXX, Bank of America and XXXX XXXX  XXXX ) to send my refund to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - Notified by credit alert that XXXX XXXX had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( Transunion, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to XXXX from bank. 

XXXX XXXX has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to XXXX. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

XXXX XXXX should remove this incorrect and unfair late payment report from this customer 's credit reports.
Product: Checking or savings account

Called many many times over the past year and capital one fraud would always tell me they are investegating. This was very straight forward repeating pattern. They would give me the money back into my account and I would tell them in about 15 recorded messages that just tell your XXXX guys and they can stop this. I was transferred from Dept to Department but never to a real individual that understood what I was telling them nor it seems that they cared. Happened about six times -- - the exact pattern with different merchant name -- I told them a junior XXXX person could write a simple algorithm to stop this. I probably have 5 to 8 hrs. of recorded messages saying the same thing. Finall came upon a person that cared. she said the {$10000.00} should have been ( Ibelieve ) plus XXXX XXXX since they deposited two amount that equaled XXXX XXXX She said about 4 months ago she would take care of it. Nothing happened. I went to a local Capital one bank about6 times in past two months -- they have put in requests as well as NON -Compliance reports based on their policies. Nothing You call fraud and they tell you over and over they will put in another request.
Product: Checking or savings account

On XXXX XXXX I requested to have my funds transferred to my checking account which is a external account, the next business day, I see that my funds were reversed back to the account I reached out to XXXX XXXX. They stated to me that the account was closed due to couldnt verify my identity. XXXX XXXX fail to do their due diligence. They didnt ask me for no identity information. today is XX/XX/year>, and I have not received my funds that was in the account. Im asking XXXX XXXX to send those funds immediately.
Product: Credit reporting or other personal consumer reports

I got credit alert mid XX/XX/year> for an inquiry. XXXX didn't think much of it till i notice it was a hard pull by an unknown source. I contacted the toll free number available online. I was dismissed as they had no records of me asking for credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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

When I opened a business checking account, the Chase banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from Chase for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to chase. 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my chase bank statement. I called. A second time because Chase never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, Chase, though my personal account, notified me that a credit check was done on me for the 2nd time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the Chase credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!
Product: Debt collection

This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank USA/Targetcred # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion without my permission pursuant 15 USC 1681 ( B ) furnish information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments
Product: Checking or savings account

XXXX  XXXX, XXXX XXXX and XXXX XXXX, has over charged me. My bill was {$25.00}, however, I was charged {$70.00}. I tried calling the restaurant multiple times and after not getting an answer I went up there and spoke to the manager, XXXX. She told me that she would have it resolved in 2 days but after 3 days of not hearing from her I went back up to the restaurant to speak to her. She never fixed the problem so I filed a dispute with my bank and they temporarily credited {$44.00} to my account. As of today, I received a letter that the dispute has been resolved and they will remove the credit of {$44.00} from my account because provided documentation rebutted my dispute. However, as I looked through the evidence that Bombshells provided, it showed that someone did sign for a bill of {$70.00} for my card but I never signed anything. They did not show the signature, just when that person tipped. In conclusion, the server used my card to pay someone elses tab. I never signed off on the receipt of {$70.00}. I should not be held accountable for our waitresses mistake. I will attach the correct receipt, I only ordered 4 draft beers. As for the tip receipt, I got one but never got a pen so I took it with me and later noticed that it was the tip receipt to a man named XXXX XXXX at a different table which shows how easily XXXX, the waitress could have gotten tabs confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts has been fraudulent opened in my name without my consent, I have addressed this issue with the credit bureaus and I have not been able to successfully get them removed from my credit report as I've been in contact with them numerous of times. Further actions will bring suit if these accounts are not resolved and removed from my credit report. I have attached a copy of my police report and FTC identey theft report of the accounts that I am arguing. 

Accounts : 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

I have not been able to access my credit report for Equifax online through annualcreditreport, or directly through Equifax website. I have sent Equifax notices for 9 months verifying my identity. I set up an online account it constantly says contact Equifax customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of my credit report.
Product: Payday loan, title loan, or personal loan

B9 card Debit card payday Advance take all my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with equifax for months now and have sent in requested information for incorrect items on my credit report they have yet to verify the accounts and send me proof of verification for XXXX, XXXX, and XXXX XXXX. I need to have these incorrect items removed from my account and I am willing to take further actions. Everytime I write equifax they send the same generic response.
Product: Debt collection

DCI s ent an alleged debt notice saying I owed  XXXX   XXXX   XXXX  from my last bill. I sent proof of payment in full of my final bill and a refund check from  XXXX   XXXX   XXXX  to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.
Product: Mortgage

The original company XXXX XXXX sold us a house. Later the loan was sent over to SN Servicing. A couple years after buying the house when we went to file exempt from paying taxes, we found out we did not own the house. We also found out SN Servicing bought the house. They first told us we were leasing the house. When I asked about paying a mortgage and signing so many papers then they said its a Land Contract. The contract we signed was fixed rate mortgage and the mortgage keeps going up. She said its because of escrow and escrow has nothing to do with mortgage. Either way, we are both exempt from paying taxes. They said the only way we would ever own this house is to refinance or to pay it off. I'm not even sure if the paperwork they sent me is the original that I signed. We were not given a copy on the day we signed.