23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Was told by wells fargo to hold off on paying my car loan payment for the month as they had to verify previous payments and so I made one late payment because I was told to wait and it hurt my credit and my mothers credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.
Product: Debt collection

THE CBE GROUP XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with CBE GROUP or XXXX XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX my capital one payment was made on time.I received a late notice and this is not correct. I spoke with them over the phone and they told me they can not correct it.
Product: Student loan

I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.
Product: Debt collection

US Bank credit card was opened in my name as a joint owner. I have no recollection of this said account, and neither does the primary person listen on this US Bank. It is reflecting that I owe US Bank {$1200.00}, which I do not. US Bank has placed a negative on my credit report. It is closed, with remarks of charged-off.
Product: Checking or savings account

I opened an account with XXXX on XX/XX/XXXX via their XXXX app. I received two emails welcoming me and confirming my open account. On the same day, I electronically deposited a {$100.00} check into the new XXXX account via their app and received notice that the funds would be available within five business days. I then setup trial deposits from another of my bank accounts so that I could transfer to/from XXXX. 

On XX/XX/XXXX, I saw the trail deposits in my XXXX account, so I set up a transfer from my external account to XXXX for {$1000.00}. Later in the evening on the XXXX, I was unable to log into the XXXX app. Since these issues do sometimes occur, I did not contact support at that time. 

On XX/XX/XXXX, I still could not log into the app, and even trying to reset my password yielded an error that I should call support. So I did and was told that I could not access my account because XXXX closed my account " for business reasons. '' I received no notification of this closure prior to my conversation with this rep on the XXXX. The rep told me to expect a letter in the mail. 

I then asked about the status of my funds. The rep told me that the {$1000.00} transfer should be rejected and returned to my originating bank because it had not yet shown up on their end. But the rep then told me that the {$100.00} from my check deposit would be held until XX/XX/XXXX because even though the account is closed as of the XXXX, it will not " process as closed '' until XX/XX/XXXX. Then they will send a certified check for {$100.00} on XX/XX/XXXX. I asked if I could withdraw the funds via the app, but the rep told me that my account access was locked and could not be reinstated because my account was closed. 

Thus, I seem to have no way to retrieve my funds before XX/XX/XXXX even though I received no advance notice of this closure or even a specific reason for the closure, and I was offered no alternative way to retrieve my funds besides waiting until no sooner than XX/XX/XXXX ( plus mailing time, most likely ). 

I do not believe XXXX acted in good faith in this instance and request that my {$100.00} be released immediately to me either electronically or via certified check on the next business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Hello, I never received any communication from this company. I didn't receive anything via mail or phone call. I found out about this collection account until it was already reported to my credit report. I tried to contact the collection company to address this and they were not helpful. How could they have reported this to my credit report without allowing me the opportunity to pay it before it went into my permanent report?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was date d XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Owed : {$50.00} XXXXXXXX XXXXXXXX XXXX Owed : {$5700.00} XXXX XXXXXXXX Owed : {$7600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} - XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00}
Product: Mortgage

FALSE ADVERTISING.. THERE ARE ADS ON XXXX ABOUT EITHER GOVERNMENT SIMULUS CHECK RECIEVES XXXX + OR - US RELIEF FROM THE GOVERNMENT. THIS IS A SCAM THIS IS MORTGAGE COMPANY 'S WANTING YOU TO REFINANCE!!! YOU HAVE RESPONSIBLE TO STOP IS FALSE ADVERTISING THANK YOU XXXX XXXX XXXX
Product: Credit card or prepaid card

Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent a copy of the contact which CLEARLY states the contract date, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I sent them the contract and letters from the vendor agreeing to the credit and called many many many times but they keep telling me there is no way to talk to an investigator and someone will call me back. The Vendor is  refusing to refund the money because there is an existing dispute with the bank. Now, I can't get a credit from the vendor or credit card company. 

I signed a contract for solar installation with XXXX XXXX on Thur. XX/XX/XXXX, the contract clearly indicates that there are 3 days right of cancellation. I left a message to the sales person ( XXXX XXXX ) on the Monday XXXX XXXX requesting that we cancel the existing contract. After not hearing back from the XXXX, I sent him an email CCing account and also sent a registered mail officially requesting cancellation : XXXX XXXX XXXX XXXX. On Wed. XX/XX/XXXX I contacted my Credit Card company requesting a refund followed by at least 20 phone calls, but keep getting the run-around. The cancellation is  clearly within the 3 day XXXX XXXX consumer Rights protection stating : ( 4 ), you have 3 business days from the time you sign your contract to cancel any contract if the sale is made at your home. The contractor can not deprive you of this right by initiating work, selling your contract to a lender, or any other tactic. 

I have been waiting for my refund since and the vendor is not very keen on refunding my deposit. I kindly request the refund of my deposit.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

XX/XX/2019 {$8900.00} Debits colector Lockhart Morris & Montgomery Original creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested an investigation account that I had no knowledge of. And they sent me back a result. I even sent a police report and my identity was stole
Product: Credit reporting, credit repair services, 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 Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX Service # XXXX XXXX U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX  XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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 XXXX XXXX Account NameXXXX : 15 U.S.C 1681 section 602 A. States I have the right ot 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 Delete this account immediately, unless you want ot be held {$1000.00} per violation 2. Account Name : Account Number : 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy. [ Text Wrapping Break ] 15 U.S.C 1681 Section 604 ASection 2 : tI also states a consumer reporting agency can not furnish a account without my writen instructions [ Text Wrapping Break ] Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, 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. 

XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Checking or savings account

I was half sleep and a woman who was rushing me all day to do this money thing kept blowing up my phone asked for my info and i wasnt paying attention to what she said but i gave her the password and last 4 of my social and my dob and I thought I could trust her but then i wake up about 30 secs layer with her not to be found and me locked out of my account. After i tried all night to grab the XXXX dollars from my debit card but it didnt work bc the card isnt available anymore they most likely have applied for loans within my account when i dont apply for any benefits or loans within my bank and its Navy fed
Product: Mortgage

I purchased a mortgage for a home fr om Wells Fargo and it  closed on   XXXX   XXXX    2017.  In    XXXX     2017 I succe ssfully negotiated with my mortgage consultant to refund my appraisal cost after the mortgage closes if I choos e Wells Fargo. I wa s told soon after the closing date by my mortgage consultant that it will  take 4-6 weeks   for  Wells Fargo to refund  the appraisal on my credit card. I have tried calling my mortgage consultant since the beginning of  XXXX  on unrelated things and since     XXXX   XXXX      2017 rega rding the refund. The consultant has not returned my phone calls or responded to any email. I then called the general customer service line on    XXXX   XXXX     2017 to g et an update. They stated that I was not due a refund and that I should get in contact with my mortgage consultant. The name of my mortgage consultant is  XXXX   XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX  ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. On XX/XX/XXXX I checked my credit report with XXXX and Equifax and my XXXX Report showed XXXX scoring while Equifax showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( XXXX XXXX and Equifax XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from XXXX in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX 's account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX 's account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBT REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.


Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B )
, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.