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

XXXX   XXXX   XXXX  has a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US ban king system. I 'm a good citizen with no arrests and my record is very clean. I am  XXXX  and have been   XXXX   over 20 years. I 've recently read tha t Bank of America a nd   XXXX   XXXX   XXXX   is targeting  African Americans b y putting a fraud statement in their Systems which prevent them from opening accounts. This is not fair or right.
Product: Checking or savings account

My account I had in XXXX in XXXXXXXX XXXX  Wells Fargo XXXX as money was being removed from my account without my permission ; I was charged additional fees and signed up for services I wasnt aware of. 
This may pertain to the recent Wells Fargo investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my car was stolen along with several cars including my synchrony bank XXXX XXXX credit card I got a text saying that {$440.00} had been used at a local XXXX I immediately called and reported the activity and canceled the card they stated that I would get a temporary credit for the amount that was fraudulently spent on my card I waited about 30 days and the money was still there being reported on my credit as owed I called synchrony bank they said that it takes up to 60 days I waited another 30 days called back and instead of taking the fraudulent balance off they added an additional {$550.00} to the balance I paid the portion of the credit I had used on the card and expected the balance to be XXXX but it is now XXXXXXXX XXXX XXXX XXXX XXXX I called and complained they said that they would fix it within XXXX business days I waited XXXX business days to call back they stated that I need to wait an additional XXXX to XXXX business days for the balance to be corrected and for them to change the reporting that they did to the credit bureaus at this point I feel like they are taking advantage of me and discriminating against me because of my XXXX the first person I spoke to said that normally they put a temporary credit on the account but in my case they did not they actually re-added the balance and now its double the fraudulent activity in my car does reporting over maxed out please help
Product: Debt collection

XXXX XXXX calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.
Product: Mortgage

CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? 
Was ONEWEST Servicer? 
Was CIT Bank N.A. Servicer? 
What was Transferred? 
How Much was Transferred? 
What Type of Loan was this? 
I have Reached out to ONEWEST Bank and they have Refused to answer.
Product: Checking or savings account

The Bank of America what me pay {$170.00} was take out my check with was fraud the bank what pay the money that not right
Product: Student loan

After multiple attempts in writing and phone calls to Navient, the servicer continues to report my loan incorrectly to credit reporting agencies. The errors severely limit my efforts to restore my creditworthiness after I successfully rehabilitated my student loan and consistently making each monthly payment. The specific errors are : 1 ) Although I have XXXX loan, Navient reports XXXX separate loans with the same loan number resulting in a doubling of my student loan debt and monthly obligations to Navient ; 2 ) Navient incorrectly reports my loan as " Balance paid or being paid by insurance. '' This is incorrect and the servicer has failed to remove this remark after several requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 round of dispute letter to XXXX, XXXX, and Experian to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Product: Mortgage

XX/XX/XXXX my wife and I were contacted by our mortgage company Mr. Cooper and were informed that they purchased secondary wind insurance in the amount of {$1600.00} which then drained our escrow account below the minimum balance needed in the account of {$670.00}, and we are being asked to pay back {$2100.00} before XX/XX/XXXX or our mortgage will go from a monthly payment of {$1600.00} to a monthly payment of {$1900.00} if they break it up into 12 payments. I knew that we have had coverage on our home with travelers insurance so I called our insurance provider XXXX XXXX  to check on our policy. They informed us that we have not had coverage on our home since XX/XX/2021 because Mr.Cooper failed to make our insurance payment so the insurance lapsed. I recall being contacted about this in 2021 I called Mr Cooper then to get there fax number so travelers could get paid apparently it was not paid which caused our insurance to cancel our coverage. I had to set up a new policy that moment. When I received this news I immediately called Mr. Cooper to get this resolved I was on the phone from last Wednesday to Friday was hung up on 3 times when the representatives at Mr. Cooper could not help with this issue. I was persistent and kept calling and being told I was being escalated up the chain of command to a manager. The " manager '' informed me that they could do nothing for me I would be expected to pay them back the {$2100.00} and that the only resolution would be to call my insurance company and see if they can back date my coverage to XXXX of XXXX  and that I would also be hit with a massive insurance bill because of the months I had no coverage. All because they failed to pay my insurance provider for my monthly insurance. I also had questions about where our escrow payments have been going if they have not been paying insurance since XXXX  with no answer.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CAPIO XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 o
f this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO XXXX CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I applied for a credit card from XXXX XXXX in XXXX of 2024 and they put XXXX hard inquiries on my credit reports I would like to get one taken off that was only one inquiry done same company same day same hard inquiry
Product: Mortgage

We filed a construction loan application with Webster Bank XX/XX/XXXX. Admittedly, we had some delays due to finalizing the plans of the home. Once we were ready to close on the loan, and submitted the final contract to the bank, we have had delay after delay due to the inefficiency and lack of attention to detail of the underwriting process. We have had documentation requests come through piecemeal XXXX and XXXX documents at a time. As we fulfill the requests, new and different documents are requested. Further, they have asked for some documents 2 or 3 times, despite our already providing them. It is now XX/XX/XXXX, and our appraisal is expiring for a second time - requiring further delays to the closing date. We have been prompt and punctual through this process but the underwriter turn around is approximately 2 weeks from each delivery. This is unnecessarily drawn out and the goal keeps changing leading to inefficiencies and consumer burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They call every week I block the number and they call with a new one
Product: Debt collection

I received letters from this company about my debt. I called and tried to settle. After they denied my settlement requests I paid in full. My credit report continues to have this reported and I continue to receive phone calls from this company requesting payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX XXXX, XXXX XXXX ) ( XX/XX/year> ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Payday loan, title loan, personal loan, or advance loan

ON XX/XX/2022 PAYPAL INC .AUTHORIZED A TRANSACTION FOR APPROXIMENTLY XXXX DOLLARS FOR A XXXX XXXX XXXX, I DID NOT RECIEVE, I NEED THEM TO REVERSE THIS BALANCE IN MY PAYPAL CREDIT PLEASE FIX THIS
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer As well as XXXX and Transunion
Product: Credit card or prepaid card

Since XXXX I signed up for this card called Current. XXXX kind of promption and now its hitting commercials. I haven't had any problems when i received it. Adding little money here and there. So I made a decision to put a big amount that I worked for into this account due to my spending habits. All of a sudden my account is under investigation. I don't know why. I called, there phone service is by a computer. I text the self service operator and no one can help me with this issue. In XXXX, I left it alone, to see that money can be added to my account from using and return car parts from a issue with my breaks. 
However, In my other account is max out no funds. My " Current '' account is my rainy day money, I cant do anything just look at the amount. So as of XXXX I called plead, I cried nothing. No one can help me. I canceled the old current and signed for a replacement just to see if there is a difference. Got irritated ask for a cancellation. Waiting o a new card in two weeks. But nothing from the Current card service. Just to read again that NOW my card is on over review with the high bureau. Which I think I bullocks. I asked for a check and to not be a Current card shareholder, I just want my money and be on my way. Nothing once again. I'm a single hard working mother and I just moved. Its very irritating and frustrating that a computer bank is messing up my life.
Product: Checking or savings account

Today I received a TD Bank debit card # XXXX in the regular mail. I called TD Bank to inquire about the card since I have never opened an account at this bank. I was explained that this was fraud but no other detail can be given such as when, where and how the account was opened. I asked how can I have received a debit card with my name and not be able to get any other details. I was told such information was not known by the bank. I was explained to complete the process to freeze my credit report with the three credit agencies, to freeze my SS # and to file a report with the trade commission. All three actions have been completed.
Product: Checking or savings account

Bank gives the impression that there are no service fees if you maintain a minimum {$300.00} balance. This is the preferred XXXX XXXX XXXX  XXXXXXXX University for student refunds of excess educational fees paid. Upon started the account ( which I understood was necessary ) I deposited {$300.00} of my personal funds to eliminate any account fees. Later my school deposited an additional {$450.00} refund. During the brief four-month period I had the account they charged me their {$3.00} per month fee for apparently the two months I didn't have actual deposits ( NEW ). Their service appears misleading in it is difficult to understand " maintain {$300.00} '' versus a " qualified {$300.00} '' which sounds like a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against Capital One bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so that Capital One bank can investigate on a 30-day late payment back on XX/XX/XXXX, which they did and decided to leave the 30-day late payment in my reports. When I contact them I was told that sending proof of my hospital stay that late payment was going to be removed from my report, I sent all the required documents to Capital one and they decided not to remove late payment. This is an unfair business practice and Capital One is not being reasonable with a client that has been loyal to them since years back. I also didnt receive any notice of late payment insertion required by California Credit Reporting Act, which it is a clear violation to the FCRA. Im attaching letter sent back on XXXX and request Capital One to reconsider removing 30-day late payment from my reports.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX  is reporting an account that is not mine. I have done several disputes with all  XXXX  credit bureaus and  XXXX  and   XXXX   have deleted the trade line but Equifax has not. The account number being reported is  XXXX   XXXX   XXXX  #  XXXX , opened on  XX/XX/2006   , and the balance is {$11000.00}. I have even filed a police report in the city of  XXXX  Texas and sent this to  XXXX   XXXX   XXXX  but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home.     I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report.     Regards.    XXXX   XXXX   XXXX
Product: Bank account or service

My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.
Product: Money transfer, virtual currency, or money service

My account was closed out around XXXXXXXX XXXX and money was gone. I couldnt log in my account anymore. Years later I still havent got the money back from that account. Theyre wasnt no customer service number to be able to reach them bout this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUMMARY : 1 ) Wells Fargo Auto Finance continues to ignore and report accurate reporting on my credit files at XXXX, XXXX and XXXX. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) Wells Fargo Auto Finance Refuses to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with WFAF to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 ) XX/XX/XXXX, XXXX insurance pays WFAF over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because WFAF informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if WFAF would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) WFAF total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) WFAF total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) WFAF more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have WFAF properly update the information on several occasions 8 ) More calls were placed to other department to Well Fargo Auto Finance about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact WFAF received payment for the vehicle. 

Considering that Wells Fargo has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their XXXX moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at Wells Fargo Auto Finance Total Loss XXXX Wells Fargo Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wells Fargo Auto Finance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX