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

I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX Bank is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me
Product: Credit reporting

XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.
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. 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  has violated my rights.

15 U.S.C 1681 Section 602A. 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. Any other adverse items 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 card or prepaid card

XXXX card service is reporting an opening date that I can not match to my records, I am asking them to provide me with a copy of the original application so I can verify accuracy on the opening date and exact match to my records. EXCUSES WILL NOT BE ACCEPTED EITHER YOU HAVE IT OR YOU DONT
Product: Student loan

I took out a loan with Climb Credit ( Climb Loan Program, Loan ID : XXXX  ) to finance an educational program based on their claims that the program was thoroughly vetted for quality, job placement rates, and earning potential. The loan was for {$4400.00}, and the current balance is {$2400.00}. 

After completing the program, I discovered that it did not deliver the promised career opportunities or outcomes. Climb Credit misrepresented the program 's quality and did not adequately evaluate or verify these claims. This led me to make a financial decision based on incomplete and misleading information.

I have been paying the loan but continue to face significant financial strain due to late fees and interest accruals. For example : Interest accrues monthly ( e.g., {$13.00} on XX/XX/year>, {$12.00} on XXXXXX/XX/year> ). 
Late fees have been applied multiple times ( e.g., {$5.00} on XXXX XXXX and XX/XX/year> ). 
The company has not addressed my concerns or provided any relief for their misleading practices. I would not have taken this loan if I had known the program 's true outcomes. 

I am requesting an investigation into Climb Credits practices and financial relief for the deceptive loan I was offered.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing inaccuracies present on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts to rectify the situation, Experian has yet to respond to my concerns. I believe these discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am seeking your intervention to ensure that my credit report reflects accurate information. 

Details of the Inaccurate Information and Required Corrections : The following account is not mine : 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 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
Product: Debt collection

Contacted company to retrieve proof of debt. I have asked for debt to be disputed by company as this is inaccurate information. This bill does not belong to me and shows that it was revised with information, This is not my debt and tthis is an attempt of electric company trying to scam. This electric company is currently under investigation, XXXX XXXX XXXX. I also do have or agreed to any contract with Transworld Systems Inc. I need company to provide history of any/all bills or payments and not this REVISED bill that is clearly fradulent. During this timeframe, company will need to place collections in DISPUTE status. Take this fradulent bill out of collections. I would have been disputed this but I did not receieve any notice until last year about alleged debt
Product: Credit reporting or other personal consumer reports

I contacted the company the company no longer own the account they sold the information to another creditor without authorization from me. I have a contract with third parties I dont know of. The information incorrect XXXX XXXX XXXX XXXX XXXX  XXXX the balance incorrect. I will provide documentation of new balance the information reporting on XXXX XXXX Website is the wrong information XXXX XXXX XXXX XXXX XXXX also incorrect item I have any knowledge of Ihave sent numerous of letters to XXXX, XXXX, and Experian to remove and delete this items
Product: Payday loan, title loan, personal loan, or advance loan

Applied for buy now pay later lending with Affirm, for a purchase totaling less than {$110.00} on XX/XX/24. Notification received via email immediately upon submitting application advising verbatim " Our partner bank can't approve the loan you requested because of your repayment history with Affirm. Your application was processed by a credit scoring system that assigns numerical values to various factors we consider in evaluating loan applications. These numerical values are based upon analysis of the repayment histories of large numbers of customers. The information in your application did not score a sufficient number of points for approval. The reasons you did not score well compared to other applicants were : 1. Payment history with Affirm 2. Credit utilization 3. Credit score '' The first issue is the fact I've had one & only one previous loan with Affirm, of which was also just this year. Not only was my loan paid off in full & on time, but SUPER early, with Affirm deducting only! of the scheduled auto-payments. The second issue is the fact Affirm approved me for a XXXX loan for {$65.00} only XXXX business days earlier, which brings me to the XXXX & final issue. Aside from Affirm completely contradicting themselves based on the information provided above, the information contained in my file is likely accurate, reflecting satisfactory payment history for both my prior & current loan, leading me to believe that a flaw lies within their automated scoring system. Regardless of whether inaccurate and/or false records are on file or the programmed algorithms in their automated system are causing invalid scores to be generated is irrelevant as there is definitely unfair practices taking places
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect info. CR agencies not consistent. Judgements are not off all CR.
Product: Debt collection

My wife was in a rear-ended in a traffic accident on XXXX XX/XX/XXXX and was taken to hospital via ambulance. We finally received a bill for the ambulance service XXXX XXXX XXXX XXXX XXXX early XXXX for the amount of {$980.00}. This was submitted to insurance and paid XXXX directly on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to XXXX XXXX on the same day notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to Dynamic Recovery on XXXX XX/XX/XXXX notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt.
Product: Checking or savings account

I made a purchase using my Wells Fargo debit card in the total amount of {$8600.00}. Although the transaction was authorized, the product/service I paid for was never delivered by the merchant. I filed a dispute with Wells Fargo promptly and in good faith, but my claim was denied without a clear or justified explanation. 

This is a case of merchant non-fulfillment, not unauthorized use or buyer 's remorse. Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), I am entitled to dispute a transaction when I do not receive the goods or services I paid for. Wells Fargo is required to conduct a fair and timely investigation and can not hold me responsible if the merchant failed to fulfill their obligation. 

Additionally, I am aware of other Wells Fargo customers who experienced the exact same issue with the same merchant, and their claims were approved and refunded. This raises serious concerns about inconsistent handling of disputes and unfair treatment in my case. 

I am requesting the CFPB 's assistance in having my case reopened and properly resolved, with a full refund of {$8600.00} for the goods/services I never received. I also request a formal explanation from Wells Fargo regarding the basis for their denial and how they are ensuring consistency in their dispute resolution practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2022. its been over a month no, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Product: Debt collection

Received a first notice of XXXX for a debt from Perdue Brandon on XX/XX/XXXX. 

On XX/XX/XXXX I sent a Certified Letter with Return Receipt notifying the firm of my dispute of the debt and request that they verify the debt as required by the FDCPA. I also let them know they they were not to contact me further until they verified the debt. 

On XX/XX/XXXX I received the signed Return Receipt from the XXXX which was signed by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received a Third Notice of Collections from Perdue Brandon seeking payment of the same debt with no verification. The exact same letter was sent as back in XXXX of XXXX for which I had already disputed without any other notification regarding what the debt is or how they own it. 

On XX/XX/XXXX I entered a complaint on the CFPB website against Perdue Brandon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
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 XXXX XXXXXXXX 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: Checking or savings account

Schwab reports tech issues locking customers out of their acts on one of the biggest market correction days in recent history. website, app, phones, online chat all down. 
I am forced to watch my XXXX XXXX with no ability to sell off or move my money around to limit losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process to obtain a new vehicle loan. Based on my recent credit report, I have an account reflecting that is not mine. I was listed as an authorized user by my husband without my authorization.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX  : Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

on XX/XX/20 I applied for Forbearance due to covid 19 with my mortgage company New Rez. On XX/XX/20 I received a letter from Shellpoint mortgage servicing stating I was accepted and to call them. On XX/XX/20 I spoke on the phone with XXXX XXXX, phone number XXXX. She stated they could offer me 3 months forbearance with a lump sum due at the end of those 3 months. I explained to her because I have a VA loan the CARES act required a 6 month forbearance and they were encouraged to put the missed payments at the end of the loan. She said they did not have to offer the 6 months and all they would offer was 3 months with a lump sum. This is obviously useless since if I cant pay my mortgage now how will I pay 3 months of it in a lump sum. I withdrew from the forbearance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters is reporting an open account for XXXX XXXX. This account is not an open account, and it is an old account that has exceeded the Missouri Statue of Limitations.

National Credit Adjusters has also illegally re-aged this account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on my credit report. The DOFD should be the date an account became 30 days late and no other payments were made. Therefore National Credit Adjusters has illegally reported this debt as open and also re-aged this account significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
Product: Checking or savings account

I took over as the XXXX for a non-profit corporation that banks with Citizens. The prior XXXX arranged a meeting with the branch XXXX to remove the prior XXXX from our accounts at Citizens, and add me as the XXXX of the accounts. We have XXXX savings accounts and XXXX checking accounts. The meeting at the branch took place on XX/XX/year> at the Citizens Bank XXXX XXXXXX/XX/XXXXWe had the officers of the non-profit meet with the branch XXXX, and we signed documents, etc. I was told by the branch XXXX that administrative control was transferred to my name, and that I should try logging in to the accounts when I got home. 
We left the branch, and I was unable to register for online access using the Citizens app. I waited until the following week to follow-up with the branch. I called and was told the branch XXXX was on vacation. Over the course of the next week, I followed up numerous times. I asked for the branch XXXX to call me, but never heard from him again. I sent at least XXXX emails, and requested several times to the branch employees to have the branch XXXX contact me, but I never heard from him. 
XXXX of the branch staff reset the password linked to the treasurer 's email address, which I had access to, and I was able to login as the XXXX on XX/XX/year>. The old XXXX 's contact information was still listed on the account, and the account was still tied to his cell phone number. I spoke to branch staff several times to have this resolved, but as of XX/XX/year>, the former XXXX 's contact information is still tied to the account. I was concerned that the former XXXX could still access the account, given XXXX authentication was still tied to his phone number. This also made me concerned about the internal controls of the bank. I closed the accounts with Citizens today, and felt the need to file a formal complaint.