23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed 2 rounds of disputes for this particular reporting with no action by Equifax. I am also requesting an investigation into the, third party reporter, XXXX XXXX as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX XXXX bankruptcy that is showing on my report only on Equifax. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to Equifax and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, XXXX XXXX, and made no deletion of this erroneous information. Please mandate Equifax and XXXX XXXX to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Experian sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Product: Credit reporting

My ex husband opened an XXXX XXXX account 12-15 years ago. While married I was on the account as a authorized user. We have been divorced for 12 years. Shortly after the divorce he took me off as a user. I have asked him for years to make sure I was taken off because still to this day his balance on that credit card shows on as my debt on my credit report. I have attempted to call the company and its very difficult to speak to a person because obviously I have no account information because we have been divorced for 12 years and live in different states. I finally spoke to a person and they said I had to submit in writing, which I did. After a few months of not hearing a response I called back and was told I was not any where on the account but if my concern was the reporting to my credit report than the account would have to be paid off in full and my ex husband would have to open another account. This {$10000.00} debt has hindered my credit score and my ability to buy a house for years and I am feeling like I am out of options for getting anything done through XXXX XXXX. Any help on this matter would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX   and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my Equifax credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, Equifax, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and Equifax have refused to remove this negative item from XX/XX/XXXX from my credit report.
Product: Checking or savings account

I have a mortgage account for my property in XXXX XXXX with Wells Fargo Bank and have opened an Escrow Account with them. I recently closed my XXXX Account and the Customer Support at Wells Fargo said they will return the remaining balance to me via a check, which amounts to {$9400.00}. 

Wells Fargo have confirmed that the check have been mailed out since XX/XX/XXXX however, I have not received the check in the mail, although I have received every other mail they confirmed was sent out on the same day, including the final statement of the escrow account. 

I called Wells Fargo Bank several times to follow-up on this and they insisted that the check is in-transit. I called again on Monday XX/XX/XXXX and they informed me that my check was cashed to a XXXX XXXX XXXXXXXX XXXX Account. I never received the check hence I did not endorse it and cashed it in. I do not know what happened but I have never received my check and Wells Fargo refuses to send me another check. 

Wells Fargo said that someone XXXX have stolen my mail, forged my endorsement and cashed my check, although I don't know that for sure. In my view, I don't even know if the check left the escrow department. Wells Fargo refused to return my money. 

On XX/XX/XXXX, Wells Fargo sent me a copies of the cashed check mentioned above, and immediately, I realize a fraudster has forged my endorsement and cash it to their chase account. I took the check and went to a XXXXXXXX XXXX  branch to inform them of this scam that has happened and to let them know that a scammer has an account at XXXX XXXX  and that they processed stolen property with a fraudulent endorsement. The XXXX rep apologized, but said nothing they could do to cancel the check till Wells Fargo filed a dispute. 

I called Wells Fargo again to told them what XXXX told me, and they said they will open the investigation and this investigation can last for 9 months! This is my money that they owe and they do not want to return it to me until, potentially, 9 months later! I was supposed to use the money to pay for the property tax that's due this month and my monthly mortgage, but now I do not know how I am going to pay. 

Another problem is that whenever I requested to work with a specific Customer Support rep that I spoke with and had explained my situation in fine detail, the Wells Fargo rep always rejected. Every time I called back to follow up, I have to repeat my entire story to a different rep. 

Last but not least, Wells Fargo forced the communication via postal mail, which takes a very long time for one-way communication and unreliable. This is why the check was stolen in the first place! They refuse to assign a dedicated person to help me, in a more timely and more secure communication channel, such as working with someone at their branch. 

In this whole situation, Wells Fargo shows they did not respect me, wanted to hold my money XXXX for 9 months for something that has nothing to do with me, I never even receive the check. They refuse to be collaborative and resolve the situation in a more timely manner for such a large amount of money to me.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I was contacted by what I thought a Current representative. During the phone call, the associate let me know that they were calling from Current and there was suspicious activity in XXXX XXXX, Texas. They told me they were going to send me a new card, to which I accepted. They sent me a verification code to which I let them know. After about 10 minutes, there were more charges from my card, sending {$160.00} to an account of a person named " XXXX XXXX '' which I did not approve of. The person who accessed my account, then changed the account email from mine ( XXXX ) to theirs ( XXXX ). There was also two remote logins from devices I do not own, one being an XXXX XXXX XXXX and the other being a XXXX XXXX ( XXXX XXXX  XXXX ). After realizing I was being hacked, I contacted my company 's payroll department, and had them delete my account to prevent any future money coming through. Unfortunately, my paycheck was already finalized for the amount of {$1300.00}. 

For the next few days, I contacted Current by phone, email, XXXX, and XXXX. 
Current does not have any phones at the moment due to COVID-19.  I even went as far to call the company which provides their cards, which is XXXX XXXX XXXX. XXXX XXXX was more than helpful, however they can not access my account. I called them Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX, and Friday XX/XX/XXXX. Each time the representative from XXXX said they sent an email to their contacts at Current as a high priority message. 

Their email support team refuses to help me since my email is no longer on an account, even after providing proof of being hacked. 

On XXXX I provided screen shots to show I was hacked. I messaged them Thursday, XX/XX/XXXX. They replied Friday XX/XX/XXXX to which I replied and have not been responded to. 

On XXXX they never replied to my message. I sent the message on Wednesday, XX/XX/XXXX. 

I am needing those funds that were taken from me, as I am now late on my cable bill and I am due to be late on my car payment and car insurance. I also had to sell stocks through my XXXX  account to pay for my dog 's veterinarian bill. 
Regardless of me being scammed or hacked, the company is FDIC insured, and should be protecting my money and assets at all times. They should have a direct line of contact to prevent ordeals like this and to prevent it from happening to other consumers.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Total of 5 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Equifax that I am a victim of identity theft and there is a fraudulent XXXX account. Account number says XXXX, and it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, XXXX and TransUnion Credit Bureaus dated XX/XX/XXXX. And I am asking for help from CFPB to make the mentioned 3 Credit Bureaus will do with professionalism in addressing my inquiry removal request. Please, Here is a list of inquiries that don't belong to me or were opened without my permission, and in need of deletion from them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification about this debt. If in fact, you believe that Ive received proper notification, please provide the certified mail that you sent to me with my receipt and signature which shows that Ive received this debt notification and right to dispute.
Product: Mortgage

Hello, I had recently applied for a mortgage with Pentagon Federal Credit Union. This experience I do not with upon anyone. Started my research by looking for a XXXX % down product with Pentagon Federal had.. I called in on XXXX XXXX with XXXX XXXX who had explained the product to me in absolute clarity ... He said it is a XXXX % down with a XXXX ARM first mortgage and a XXXX mortgage a 15 year loan fixed@5.99 %. The credit score requirement is XXXX on the XXXX mortgage. So I was super excited and applied for a loan ( BTW i had a personal loan with penfed which i paif off in full ). Once I applied I received an email from an XXXX XXXX ( loan officer ) and she properly introduced her self and asked for all of the documents needed. I went ahead and submitted all that was required of us ... Then I had to keep bugging XXXX and asking where is the pre approval? She said I am working on the XXXX mortgage but I have the approval for the first. So I kept asking for a time frame and I got nothing back. Then all of a sudden I have a new loan officer XXXX XXXX and she said from here on she will handle my file with an underwriter named XXXX. What happened to XXXX? Well XXXX just does the initial portion of the process. Same thing this whole back and forth ; then I was asked for my XXXX 's and pay stubs and my wife 's XXXX 's as well ... I went ahead and re faxed it, this was the second time. XXXX and XXXX claim they never got it.. Now they keep asking me for information. On top of that XXXX says we can no longer offer you the ARM it now has to be a fixed mortgage because of your DTI. It took them over a month to figure it out and in the mean time nothing re : the XXXX mortgage. I then had an opportunity to speak to XXXX and explain how long ago my short sale has been out there ; I mentioned it has been 4.5 years. I asked her does she need supporting docs for the short sale and she said no. At this point I am still waiting. And all of a sudden XXXX is back now and she is handling the loan process. Again she is requesting the XXXX which I think they lost ( XXXX our info is floating around ) ... Then on XX/XX/XXXX I got an email from XXXX that there was a decision and the letter is attached and she would call me to discuss ... It was a decline letter due to my short sale that occurred on XX/XX/XXXX which she knew about. I emailed her before the long weekend and left her a VM and got nothing back. At this point I sent another email and did tell her I am upset and will be filing a complaint with CFPB. I had also emailed a complaint to PENFED directly and heard nothing back. Either they are n't very good at handling loan files/ or do not know products/ or do not know underwriting or just plain ignorant. I have never seen anything like this and i am in the industry ... I do n't wish this on my worse enemy.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX and J.A. Cambece Law P.C. for amount of {$2300.00}. I had sent XXXX XXXX XXXX XXXX XXXX a debt validation on or about XX/XX/2017 who XXXX XXXX XXXX assigned or sold the debt to IL XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to IL XXXX XXXX XXXX XXXX XXXX XXXX and they did not respond to my demand. Now XXXX XXXX XXXX XXXX XXXX assigned or sold the debt to J.A. Cambece Law P.C. and J.A. Cambece Law P.C. is now suing me. I have no knowledge of this debt.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Square Missing Transfers Totaling {$6600.00} Dear Consumer Financial Protection Bureau, I am filing this complaint against Square due to their ongoing failure to process and release {$6600.00} in business funds that rightfully belong to me. Despite my continuous efforts to resolve the matter through Squares customer support, my funds remain withheld without any valid explanation.

Issue Details : I have opened three separate cases with Square to address the missing transfers, with the most recent case initiated on XX/XX/2025. Despite providing all requested documentation, including transaction records and bank statements, Square has failed to resolve the issue.

Squares Lack of Resolution : I have repeatedly contacted Squares customer support via phone and email, seeking answers and escalation. 
I have provided all necessary documentation to prove that the transfers are missing. 
I escalated the issue to a manager, only to receive the same vague response : The issue is in progress.

To date, Square has neither provided a valid reason for withholding my funds nor given a definitive timeline for resolution. 

Impact on My Business : As a small business owner, the withholding of {$6600.00} has caused significant financial hardship, impacting my ability to cover expenses and operate my business effectively. Squares lack of transparency and failure to release my funds raise serious concerns about their handling of consumer financial transactions. 

I believe Squares practices warrant regulatory review, as their failure to provide timely access to business funds can cause undue harm to small businesses. I appreciate the CFPBs assistance in addressing this matter and holding Square accountable for their unfair business practices.

Please let me know if any additional information is required. Thank you for your time and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling multiple numbers at Experian without avail. The phone tree menu narrows until you have run out of options, or they direct you online. I can't even reach a human in their billing department. 

I noticed this month that Experian double charged my account {$25.00}. I reviewed prior months statements, and noticed this has been going on for months and months. 

It is literally impossible to reach a human at this company. 

I have emailed them at XXXX. I'm currently on hold for over 30 minutes just to try to reach customer service!
Product: Mortgage

I had a home for 15 years through JP Morgan Chase  XXXX   XXXX   XXXX   XXXX , CA  XXXX  And put {$600000.00} through the course of 15 years and I was in active bankruptcy and the home was taken from me. Also, I qualify  as one of the homeowners who go wrongful foreclosure through JPMorgan Chase.
Product: Credit card or prepaid card

Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously sent in a request to remove many unauthorized credit inquires that your company is listing on my consumer report. At that time you stated that I must reach out to the company that listed the inquiry. Please see attached letters of confirmation that the inquiries are not authorized. 

I DEMAND THAT THESE INQUIRIES BE REMOVED IMMEDIATLEY! 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ACCOUNT XXXX {$2500.00} ACCOUNT XXXX {$410.00} ACCOUNT XXXX {$100.00} ACCOUNT XXXX {$18.00} ACCOUNT XXXX {$350.00} ACCOUNT XXXX {$180.00} WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the credit union. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.
Product: Debt collection

This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.
Product: Checking or savings account

Goodmorning. I've been affected by this capitol 1 outage. I have direct deposit and VA benefits through capitol 1, basically everything I have is through capitol 1 ( CHECKING, SAVING, CREDIT CARD, AUTO LOAN ) this outage has cause my credit to decline due to not being able to receive funds. Bills and fees are adding up which is out of my control. I've called and asked for an XXXX on when this problem will be fixed, and I've been lied to numerous times about it being fixed and etc. I've had to miss work due to lack of money from this capitol 1 outage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter 30 days ago, and still have not received any updates yet.