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

Revolut has prevented me from transferring more than a limited amount of funds from my account back to the XXXX bank account I've used to fund this account in the first place. More than a month ago Revolut asked me for documents to help prove the source of my funds, which I promptly provided, including my employer pay stubs. They have yet to review these documents weeks later, yet have placed a silent ( undisclosed ) hold on my account.
Product: Credit card

My Wells Fargo BILT account was closed without warning or my knowledge on XX/XX/XXXX. Today, XX/XX/XXXX, this ( no longer active and paid off ) Wells Fargo account tried to pull {$9200.00} from my checking account ( which is now at a negative balance due to this ). This makes no sense, as the account supposedly no longer exists and has no remaining balance owed on it. I have contacted them but just got spun in circles about how this is because this amount was paid before. However, they could not address how an inactive account is pulling money. Between the closure of my account with no forewarning, the forfeiting of my points with no warning, and an attempt of a closed Wells Fargo account to pull money out of my checking account, this is now fraud on the part of Wells Fargo. I don't know what is going on with this company. I am attaching images of ( 1 ) the letter informing me my account has been closed, ( 2 ) a screenshot of my Wells Fargo BILT account showing it is paid off and actually in the negative because I am now owed money from them, ( 3 ) a screenshot of my XXXX XXXXXXXX XXXX checking account, showing the attempt to remove {$9200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage company called Lending Tree is claiming that they assumed I authorized them to run a credit check /pull credit score by hard checking. I am absolutely sure that I did not do any such thing because the company didnt seem credible enough anyway. They have no proof of my authorization in any way. I am requesting that you take action against this fraudulent practice who are abusing their actions. This could impact my credit history in the future and it has in the present. Please please do something, I do not want any identity theft or other such criminal offenses happening with me. I will in no way pay for any misuse of my information that this fraudulent company has. I am sure this is an illegal offence. I want them to take responsibility for this action and make sure my social security is removed from their files/systems etc. how can they claim I gave then my SSN when i did not! I want proof, I am a 1000 % sure I did not. They are scamming people. Please help!
Product: Mortgage

I have on many occasions reached out to First Guaranty Mortgage Corporation ( FGMC ) to resolve the mortgage issue. I had my mortgage refinanced through FGMC. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. FGMC is very confusing. FGMC did not service my loan. They had another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to be in charge of my loan. At first I was working with XXXX XXXX XXXX and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, and XXXX/XXXX/XXXX. I never had a chance to work directly with FGMC. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has First Guaranty Mortgage Corporation as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with XXXX and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from XXXX to XXXX XXXX without even being notified of my status with XXXX. This is very frustrating and the lack of communication is not professional as well.
Product: Money transfer, virtual currency, or money service

I intended to purchase {$1000.00} worth of Crypto currency from CoinBase. They took money out of my Bank Account the XXXX dollars but claim they have no record of transfer. Lost {$2000.00} worth of money and assets because they claim to have had a server issue. I gave them transfer ID from my Bank still my account is locked unable to touch assets and money was taken from my Bank. It's one thing to be robbed by a poor person, entirely worse when it's a corporate multi million dollar organization. I don't know what to do CoinBase customer support wont help and they claim to have no record yet they took the money out of my BANK..
Product: Credit reporting

I was made aware of a false collection report that appeared on my Credit Report through XXXX XXXX. I opened up a dispute to the claim, but feel there are more important questions for an oversight entity to find out and get answers. First question, how does a debt collection agency add an item to someone 's report without having proof of debt, and second question, what proof of debt is required to add such item ( SSN, their say so, or a contract with my authentic and original signature )? According to this occurrence, there is nothing in place to prevent these types of bogus claims being reported on somebody 's credit report to protect the consumer, which is what the CFPB is supposed to be protecting and overseeing the Credit Reporting Bureaus, and making sure they are reporting the most accurate information available. If the appropriate information is not available, then it should not be added. I would also like to know what is deemed as " appropriate information '' would be needed to add such a claim to a credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1682. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I looked at both my XXXX and Transunion credit report on XXXX XXXX and noticed some things are incomplete and inaccurate, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general if after any reinvestigation under paragraph ( 1 ) 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 the item oof 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 supposed 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 accounts is inaccurate
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 Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$17.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted documentation including a FTC report advising these companies they are reporting fraudulent incorrect information and to remove this information. TRANSUNION continues to report XXXX on my credit report which is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid to XXXX XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Product: Debt collection

Halsted Financial and XXXX XXXX have repeatedly called and texted my mother. She and her phone number were not connected to the original debt. Ive attached a screenshot of the most recent text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with XXXX XXXX that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. Account ending in 1536 from XX/XX/XXXX thru XX/XX/XXXX late payment should NOT be reporting. The accounts are current and should be removed within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unacceptable that since XXXX I have been unable to log into my online account with Equifax. I am trying to access my free annual report. Also, I need to dispute a credit account that was impacted by COVID-19 which has affected my credit score. I have sent their support department numerous emails to no avail. I have attached proof of these emails to this complaint. Not only was I affected by their data breach last year, I can not access my credit file. Thank you for your assistance.
Product: Student loan

On XX/XX/2022, I was informed by my employer, XXXX XXXX, that a letter from Nelnet was sent to their office for me regarding a possible student loan debt. This is an invasion of my privacy as well as harassment at my employer 's corporate office. I live in Montana and my employer 's corporate office is located in New York XXXX. There is no reason to send my personal mail to my office where I can not receive it. It is clearly harassment and needs to be stopped.
Product: Checking or savings account

I opened a One Deposit checking account online with Citizens Bank on XX/XX/XXXX with a sign up bonus of {$300.00} to be deposited after one direct deposit of {$500.00} or more. Direct deposits of {$500.00} each were made on XX/XX/XXXX and XX/XX/XXXX, as well as additional transactions and activity such as withdrawals and transfers that were made through the end of XXXX. I withdrew the balance of the account, as another direct deposit was due to hit the account in less than 2 weeks. In that short time, my account was inexplicably closed. I received no notification, correspondence, or warning. I then called the corporate customer service line, who informed me they did not know why my account was closed and were confused that there was no reason indicated for the closure. All they were able to deduce was that it was not due to collections, which I already knew as I never had a negative balance. They suggested going into a branch to further investigate. I went into the branch at XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX and spoke with XXXX. At first, he was just as confused as the corporate customer service, as he could not see any reason as to why my account would be closed. After calling supervisors and corporate phone assistance, he told me that it was closed due to inactivity on XX/XX/XXXX. I argued that I had already met the requirements for the bonus and an account should not be closed due to less that 2 weeks of inactivity but he was unable or unwilling to do anything to remedy the issue.
Product: Debt collection

I was contacted by phone on XX/XX/XXXX. The operator informed me they were with RentDebt Automated Collections. They asked me information about the rental property they were collecting a debt for. I informed that I have not rented a property since XXXX, nor have I co-signed a lease. I reported that my identity has been stolen for a string of rental thefts. This is the XXXX incident since XX/XX/XXXX. All other debts have been resolved and confirmed as resulting from identity theft. The company mailed me instructions to resolve the debt, though they allocated an impossibly small amount of time to complete them ( Letter dated XX/XX/XXXX - letter received XX/XX/XXXX - given 14 days to return information ).
Product: Payday loan, title loan, or personal loan

I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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: Credit card or prepaid card

I paid off this Capital One credit card when we purchased our home, later on in XX/XX/2022 there was a charge for a yearly subscription to Walmart that was added to my account. 

I have no use for this service, as I pay {$12.00} every single month with my personal bank. 

they made a credit of {$98.00} on XX/XX/2022 and then removed it and added the charge back to my account on XX/XX/2022. 

I have shown them my banking statement of {$12.00} for a whole year that I pay this with my personal banking and that the charge on the card is fraudulent. 

they do not want to see my case. they have added fees and interest
Product: Debt collection

I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX   for {$260.00} when I did pay the balance. I just want this resolved.
Product: Credit reporting or other personal consumer reports

XXXX please provide what method you verified to XXXX and Trans Union. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.
Product: Debt collection

I co-signed for my daughter an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY and that lease was finished out. My daughter later on signed a lease with the same Apartment Management company @ XXXX XXXX XXXX # XXXX XXXX, KY. She had an unpaid balance from that unit. This company has reported me to the collection agency/credit bureau as my debt. I showed documentation that I am not on this lease at all. They said that because I co-signed on a previous lease it is their policy that I can be held liable for another lease?. This is fraud and illegal. I demand they be held responsible for this fraud as this has dropped my credit score 40 points while I was in the process of purchasing a home. 

I filed a dispute against Rent Recovery the first part of XX/XX/2019 and they said it was accurate, the place was reporting it accurate. 
I called XXXX XXXX XXXX today and they said they could consider me a co-signer on another lease that I did not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX XXXX Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with XXXX. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX
Product: Vehicle loan or lease

My XXXX XXXX XXXX was stolen XX/XX/XXXX and I filed police report and notified the finance company XXXX. Insurance covered rental for 30 days and no additional coverage from dealer. Auto was found same day it still had not been fixed due to alarming rate of XXXX and hyundai being stolen. I have contacted XXXX on several occasions for a deferment of payment as I have to pay for rental car and unable to do both as the car is still not returned to me. They are not willing to help at all. I waited for supervisor to call back over a week and they still had not. I called back today only to get no where with this. I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. For XXXX XXXX on my Experian credit report, Experian refuses to remove the negative item. The account was opened on XX/XX/XXXX, it's been 8 years and the account has not been removed. Also, I would like to dispute this issue under the Civil Service Relief Act since I incurred this debt prior to entering service in XX/XX/XXXX. I would like for this account to be removed immediately. Please see attached for evidence. 

2. For XXXX XXXX Co XXXX on my XXXX reports XXXX I would like these accounts removed due to the fact they both are not accurate and are not reflecting the same data from both credit bureaus. Please see below for the following issues : a. On my Experian credit report, the issues on my account is as listed : - Account Type : Auto Loan - Payment Status : Paid, was a charge-off - Status Date : XX/XX/XXXX - Balance : " - '' - Balance Updated : XX/XX/XXXX - Past due amount : " - '' - Terms : 72 Months - Contact information : XXXX XXXX XXXX XXXX XXXX NC XXXX- The late payments are for 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. 

b. On my XXXX credit report, the issues on my account is as listed : - Account Type : Installment Account - Payment Status : Paid or paying as agreed - Status Date : XX/XX/XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Past due amount : {$0.00} - Terms : 82 Months - Contact information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX- The 1 late payment is for XX/XX/XXXX I would like to be CC 'd on every correspondence that is sent to the credit bureaus.
Product: Student loan

I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that I don '' t have and I was also told because it is over 60 days that I am responsible. I provided copies of the police reports. Instead, they kept selling them to different buyers. I need your help. I requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemized bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus.