23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We have Wells Fargo banking accounts. A banker was promoting Wells Fargo 's Visa card by saying if we apply a card and pay our cell phone bills once a cell phone is damaged or lost we will get a replacement with no question to be asked and indeed he got his own cell phone replaced. We applied a card and always pay cell phone bills by the card. Our daughter 's iphone got damaged and we took it to an XXXX. The XXXX replaced the damaged XXXX by a new XXXX, and we paid some {$300.00}. We filed card benefit claim by supplementing the XXXX receipt. The Wells Fargo benefit office found the excuses of not honoring this claim. 1st they said, we needed manufacturer 's cost estimate. Well, I called by explaining XXXX already replaced the damaged iphone. A representative acknowledged it as making a sense. Then no response for a long time until I called again. This time I was told I needed to get diagnoses. The damaged phone got replaced on XXXX XXXX! and already got replaced by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive submitted thoroughly so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was routed to an employee with Equifax by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call Equifax I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  resulted from stress, the fact that you Equifax, XXXX and XXXX are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by XXXX, Equifax, and XXXX data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

SOMEONE OPEN FRAUDULENT ACCOUNTS IN MY NAME AND THE CREDIT REPORTING AGENCIES ARE IGNORING MY DISPUTES THE ACCOUNTS BELOW ARE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I had {$1500.00} withdrawn from my Cash App account ... it was unauthorized they hacked my account. I have emailed Cash App support numerous times and they will not response to my emails about my account being hacked. The date was Saturday XX/XX/2020. The amount {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Bank account or service

Bank of America Class Action Law Suite was settled XXXX XXXX, 2016. All funds were to be deposited into my account which they unlawfully took from me. I have received no money to date. My account dated from XXXX to current. I know for a fact I am entitled to monies in the Settlement. I contact them almost daily. They respond they have to check on it they are not sure and or no reply at all. I am XXXX and have an SSI auto deposit monthly. IT seems as though they are discriminating against me
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX transunion and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/, XX/XX/, and XX/XX/. The payment status reflects 30 days late with XXXX and Transunion when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/, XXXX and Transunion report XX/XX/. Transunion and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/, XX/XX/, and XX/XX/. Nothing has been fixed. Transunion reports XXXX as 30 days late, but other XXXX bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!
Product: Debt collection

Bull City was written on XXXX XXXX, 2016 and asked to provide full legal validation/proof of this alleged debt. They never responded
Product: Mortgage

I had a HELOC that was sold to Specialized Loan Servicing. I contacted this company for a payoff quote, I paid that amount. 

I called to have the account closed and the lien released, but I was told that I still owed another {$5.00}. When I argued they basically stated that they could do whatever they pleased. So, I requested an email or snail-mail copy of the payoff quote - neither was received. 

I paid off the {$5.00} that day ( XX/XX/2023 ) and called up several times to close the loan and remove all of my personal information from their systems several days in a row. Each time I was put on hold and transferred around until I was told that they didn't have the ability to do that or I was disconnected. 

Today I was transferred 5 times and finally, after threatening to file a complaint with the FTC, I was given to someone who said they did not have to finalize my payment until 15 business days after it was received. As today was the 17th business day I asked her to close the account and release the lien. She said she couldn't because she wasn't authorized. I asked her why it hadn't been done she said " I don't know '' and when I asked why the lien release hadn't been sent to the county, she said, " I don't know. '' I insisted that it be closed immediately and she again refused. I asked her to connect me to someone who could do their job and she said there is no one else in the company to whom I could speak. Apparently, they plan to keep the lien on my account in perpetuity.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN WAY OVER 30 DAYS NOW APPROACHING 60 SOMETHING DAYS AND I HAVE YET TO RECIEVE DOCUMENTATION THAT THESE ERRORS WERE CORRECTED AND REMOVED
Product: Credit reporting or other personal consumer reports

XXXX business credit card with XXXX XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX 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, JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Mortgage

The company - Amerisave - and the loan originators collected a refundable {$500.00} pre-paid closing cost fee. The underwriter did not approve the loan and the {$500.00} was not refunded after numerous requests. No explanation given.
Product: Credit reporting or other personal consumer reports

Discover Bank has on my credit file this credit card. 

I never applied for this card nor giving my personal information or requested no Discover Credit Card. 

Discover needs to provide proof of me applying for this card signatures and all charges made by me signatures XXXX I never made no charges on any discover card or applied.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX XXXX
Product: Student loan

I have a private student loan that was sent to court in XXXX 2015. Per the court case, the loan was dismissed with prejudice by a judge in XXXX 2015 in my favor. The loan is still showing on my credit reports from all XXXX credit bureaus after sending disputes in per my attorneys request in 2015. This is preventing me from purchasing a home at this time.
Product: Checking or savings account

On XX/XX/2023 synchrony bank approved a wire transfer from another bank to my synchrony accounts. XX/XX/XXXX Synchrony initiated transfer of {$39000.00} to my synchrony account. XX/XX/2023 synchrony restricted access to my accounts. I called synchrony and was told for my protection the transfer was on hold for some kind of review. On XX/XX/XXXX was told by synchrony that the transfer was canceled. I call every day trying to get restriction lifted. After being told that it was canceled on XX/XX/XXXX I received notification from synchrony that the transfer of {$39000.00} is completed. I call synchrony and get lied to and told that they didn't receive the money and even got hung up on by the bank manager. XX/XX/XXXX o receive notice that the money is credited on my account and start getting daily balance notice. I call every day and just get one story after another about some review. I am about to lose everything I have because I can't pay my bills.
Product: Debt collection

Financial Management Solutions ( FMS Financial Solutions ) continues to be negligent in removing incorrect information about a false debt that it claimed was owed. While litigation was pending, it originally posted a false report about debt owed on my credit report, at the request of its client, XXXX XXXX XXXX. Moreover, it continues to be in violation of federal statute by posting false, and inaccurate data on my credit report. The posted this incorrect information through its employee, XXXX XXXX. 

FMS Financial Solutions posted this inaccurate information to my wife 's and my credit report, while a litigation was still pending. Since we last submitted our report to CFPB, FMS Financial Solutions has finally removed the false debt amount owed, after months of disputing their erroneous information. However, despite noting that no debt is owed, FMS Financial Solutions has failed to remove the dates that it claimed this false debt amount was owed and make the correction to no late payments. Currently on my credit report, it still lists that I had late payments from the months of XXXX XXXX to XXXX XXXX. This information is inaccurate, and therefore a violation of the Fair Debt Collections Act. 

As the evidence shows, after litigation with FMS Financial Solution 's client, XXXX XXXX XXXX, their client 's original claim of debt amount owed was rejected by the court, and we paid the court judgment of a different and lesser amount immediately, on the same date of judgment in XXXX XXXX. FMS Financial Solutions was negligent in correcting this information and has since reported incorrect information on our credit reports ( my wife 's and mine ). FMS Financial Solutions was wrong to post any alleged debt in the first place, while litigation was pending. 

FMS Financial Solutions is still in violation of the Fair Debt Collections Act in claiming false information on my credit report about alleged late payments ( between XXXX XXXX and XXXX XXXX ) on a false amount that was never owed, as the XXXX, XXXX XXXX XXXX XXXX was the only XXXX with authority to determine the actual amount. I repeat, FMS Financial Solutions is still currently in violation of federal law in posting inaccurate information to my credit report. 

We are still preparing our legal case against FMS Financial Solutions ( for any and all continuing damages resulting from its negligence ), and requesting CFPB take necessary action to have FMS Financial Solutions false report about late payments between XXXX XXXX and XXXX XXXX removed from my credit report.