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

I received a notification from XXXX credit monitoring service that a credit report had been pulled by Wells Fargo on XXXX XXXX, 2016. I called Wells Fargo with XXXX on a XXXX party conversation on XXXX XXXX, 2016 at XXXX XXXX talking with XXXX from Wells Fargo who transferred me to XXXX XXXX XXXX where it dropped off several times. We tried again at XXXX XXXX and after discussing for approximately XXXX XXXX was advised by the Wells Fargo representative that I needed to go to a local Wells Fargo bank and deal with it. So I went to the bank where I had an account several years ago located at XXXX XXXX XXXX XXXX in XXXX XXXX CA at XXXX XXXX and met with assistant manager XXXX who after looking in her computer assured me that no bank accounts or credit cards had been opened using my information. I have received no bill for this, however I am disturbed that XXXX would have received a hit if nothing was opened. I have been noitified by XXXX about 26 times before without a false alarm. I do not know weather the hit was for savings, checking or what because Wells Fargo denied having anything to do with a credit report being pulled. I selected a savings account in the field below because that was the closest option and I had a checking and savings account with them prior. Also I would like to add I only had an account with Wells Fargo because they took over my bank that I had signed up with originally, XXXX XXXX Bank.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

These are the affected accounts. 

XXXX XXXX XXXX. {$2600.00}, XXXX XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX  bal. {$1900.00}, XXXX  bal. {$2500.00}, XXXX  bal. {$12000.00}, XXXX XXXX {$6000.00}, XXXX  bal. {$4800.00}, XXXX  bal. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/2024 when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to XXXX to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX  Acct # XXXX, XXXX XXXX Act # XXXX, XXXX XXXXXXXX Act # XXXX, XXXX XXXX Acct # 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dispute reason : remove this account because the Date of status date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX XXXX Date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation After what is known as an investigation that was conducted and completed by the CRA, Experian report still shows the Date of status date didn't change/updated and inaccuracies and blatant violations.
Product: Mortgage

I began the loan Assumptions process with my current mortgage lender, Dovenmuehle back in XX/XX/XXXX post divorce. I submitted all required documents in XX/XX/XXXX and told the entire process takes about 6 months total. As of today, XX/XX/XXXX, I have inquired multiple times as to the status of my loan. I am getting responses that my requests are being escalated to the underwriter but the underwriter doesn't seem to be working my file. I am growing exceedingly frustrated as I would like to know if I am approved or not. I have been responsive and timely. Dovenmuehle has not and continues to delay my loan for small things like me failing to write in my loan number on the loan application in an area that clearly states to be completed by the lender. I fear they do not have the competence to complete my request nor the courtesy of keeping me informed along the way. I am beyond frustrated and would appreciate an answer within 30 days.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX I Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I contacted Equifax to place a credit freeze after credit card information was stolen. The web page would not let me place a freeze and said to call a toll free number. I called the toll free number and was told by a computer that I could not place a freeze and to go to the website that told me to phone. You can probably see the issue here. The alternative was to mail a form to the company, but Equifax has no forms or links to forms on its website and no instructions on the phone line. In short, I am unable to freeze my account. If I try to submit online again, it just loops back to the main page. I had no issue freezing the credit reports at XXXX or XXXX. Only Equifax is impossible to freeze.
Product: Checking or savings account

My certificate of deposit was established on XXXX and was linked to my custom cash credit card. I was able to view the cd for a while even saw that interest had posted to the cd. On XXXX the XXXX XXXX I logged into my Citi cards custom account and noticed that the cd account was no longer there. After multiple attempts to Citi customer service staff I was routed to Citi fraud department. I was asked to ID myself thru my personal info and security answer which I provided and was confirmed. Then asked to provide a cell phone where a text could be verified. The text was not successful. The staff member informed me that no info could be shared with me due to the failed text. That same day earlier in the day 30 minutes earlier I had verified text from other companies no problem. I asked the staff member to try another code. The staff member told me that they had reached the maximum attempts they could attempt that they could no try any more. They told me to hang up and call back they provided i direct line for me to call. I agreed disengaged the call and attempted to call back. I received an automated message that they could no longer service my request or something to that effect. What I want is for Citi cards to acknowledge that the account exist and that they are aware of it and an explanation why it was removed or unlinked from my Cit custom cash credit card account. Thank you
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I XXXX XXXX was not working during Covid, I got layed off from my previous job. At the time of moving in the apartment I told leasing office that. They told me since I was over XXXX I had to go on lease with other tenant I went on lease, he was primary. This is not even on his credit report. Its been brought to my attention that they approved him with fake documents and they didnt do verification process right so it should be removed from my report. I used my personal information to be on lease legally. Transworld systems is the debt collect that debt was sold to from XXXX at XXXX XXXX. They put debt on me because it cant go on his because his real social was no provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Credit Plan is reporting inaccurate information to XXXX. I contacted them and they claim XXXX  has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on XXXX. XXXX  online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by PNC Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some inquiries on my credit report I have a fraud alert but did not receive any information that someone pulled my credit I have not done business with these companies and I did not give anyone authorization to pull my credit
Product: Credit card or prepaid card

Lets start off with I shouldnt have to submit another CFPB complaint but here we are. 

I have a Comenity/Bread XXXX account that I havent been able to successfully log into since XXXX of 2022. I cant even get through on the phones. After my initial complaint I was led to believe late fees would be waived and no late reporting would happen with the credit bureaus. 

As of today, while filing this complaint I have XXXX late payments on my credit report from this company. They have completely turned around on what they said they would do and Im being penalized for their issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I been with Experian for over a year pay my utilities on time each month and there is no boost it's false advertising they are messing with people credit scores I pay electric, phone, internet, XXXX but it always says don't see utilities everyone I have talked to always have a different stories
Product: Payday loan, title loan, or personal loan

I called Credit Shop on XX/XX/XXXX to make an arrangement for SETTLE CHARGED OFF REVOLVING ACCOUNT and it was not possible, they just wanted a single full payment for the debt, they told me the company don't make any settlement, i request two time for a supervisor and they never come up, the people on the phone were very rude, they answered me gruffly, The company name to search for is CREDIT SHOP , INCORPORATED
Product: Mortgage

. I am currently having issues with my lender, XXXX, XXXX Weichert Financial. Yes I do have an attorney but I 'm afraid that all parties involved are at the mercy of my lender. Also with all the delays already, time will not allow me to find a new lender and restart the process. I have already filed a complaint with the nj department of Banking, but again time is against me. My wife and I are already suffering monetary and emotional damages. And these damages will be even greater if the seller refuses any more extensions. This is why I am pleading for help. 
The company delayed the processing of my loan. Company 's internal delays forced me to sign all the application paper work 4 times, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. All the meanwhile the company kept requesting redundant information, such as pay stubs. Closing was pushed XXXX times. Mortgage commitment was dated XXXX/XXXX/15 but was not released to me until XXXX/XXXX/15, with a page full of conditions to be met and closing scheduled for XXXX/XXXX/15. I have met all conditions with in 1 day except for the XXXX that required seller approval. They refused to proceed in lieu of seller response to condition requests. This caused additional delays, forcing the company to again request updated pay stubs. The loan program that I was trying to obtain was through the USDA, and all information was to be sent to USDA for final underwriting. Company delays caused the file not to be sent in a timely manner, and when the company finally sent the file to USDA, the updated pay stubs reflected a pay raise in my wife 's income, making me no longer eligible for the USDA program by a very marginal amount. Now I am forced to go with a more expensive FHA loan product and redo the process again. If the company processed everything in a timely manner, I would have closed before the issue of my wife 's surprise pay raise. Bottom line is that this company will cost me additional money for the next 30years because of their wrongdoing. Now all the same issues are happening again with the processing of my new loan file. Closing was scheduled for XXXX/XXXX/15 but it is pushed again ( if I get seller approval ) for internal process delays. I have almost all communications in writing via email and can explain the issue better over direct contact with investigator.
Product: Vehicle loan or lease

Ive sent in a vaild FTC report and police report numerous times to XXXX and XXXX and the both refuse to block saying my ftc report number isnt a vaild number in which they send it to regional acceptance and they state its vaild. Regional Acceptance has never sent me a 1099c for this debt that isnt mines even with me sending in police report and ftc report they still want me to pay for a debt thats not mine that they have made profit off of i have been battling this issue for going on 3 years in which it has affected my life ive reached out to them in the last month left message with contact number for a call back to no avail.
Product: Debt collection

First Source Advantage has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

Okay so I filed a complaint with you guys about experiain not investigating properly and refusing to investigate my claim if XXXX. They opened up the investigation and are now reporting different dates once again. back to the same dates I disputed months ago XXXX is constantly reporting different dates back and forth I go with XXXX and Experian. Neither one can get there information straight and is causing great damage to my credit report. As I fight with experian and the creditor who constantly send different dates to every CRA. If experian could look through everything I sent since XXXX I been disputing this item, look through my bank statements that show I have never been late in fact I have paid early. They could clearly see XXXX is making mistakes in reporting over and over. I enclosed a resent email I sent to XXXX so that experian can see I am trying to resolve this with the creditor but am having no luck. There records are all wrong I just want experian to look at the facts look over everything I sent them since XXXX and all the mistakes XXXX has made and the many times they have updated. Look at bank records. Call my bank I will sign a release anything to get the right. The last letter I got from XXXX I enclosed and it has different dates than they are reporting. I also enclosed the consumer complaint report and it has different dates. Please I beg you to remove this I am so fed up I have sent you all I have I dont know what more to do. I also enclosed my police report for XXXX XXXX dispute. Experian also agreed to remove the XXXX credit inquiry and still has not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.
Product: Money transfer, virtual currency, or money service

Hi, I used XXXX, which Truist promotes, to transfer money from my Truist account to another bank account which I own. The amount was not very much. 

However, doing so caused Truist to claim that they suspected fraudulent activity. Therefore, they completely locked access to my online banking, something I rely on daily. Fortunately, when this happened, I was able to go into a branch, verify my identity, and they told me the issue would be resolved. It was not resolved. 

I do not currently live near a Truist branch. When I called their customer support to inquire why my online banking was still locked, after holding for an hour to talk to someone they said I need to go into a branch and verify my identity. I explained I had already done that, and it didnt resolve the issue. I have called the Truist branch itself about 100 times to follow up on why my online banking was still locked, and they have not once answered the phone or returned my call. XXXX. In fact, I called nearly every branch in XXXX XXXX, and they just don't answer the phone. 

There is nothing suspicious or fraudulent about sending a small amount of money, to MYSELF, using the tools on their platform which they promote. I already went into a branch with my passport to verify my identity on XXXX at the XXXX XXXX XXXX by XXXX XXXX. It is impossible to contact anyone at Truist by phone. Calling their support center takes an hour of holding, and then they refuse to do anything useful or helpful if you talk to them. The steps they have taken to " protect '' my account are doing the opposite, because I can no longer access or monitor it.