23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to process a short sale with SLS. On  XXXX   XXXX ,   XXXX  , I calle d SLS a nd spoke with  XXXX  ID  XXXX . I called to confirm receipt of the new contract sent on  XXXX , they requested the some revisions to the HUD, and that 's all they need at this point. On  XXXX   XXXX ,   XXXX  , the foreclosure sale date was re-scheduled to  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX , I calle d SLS and  spoke with  XXXX  ID  XXXX , he said he sent the updated HUD to the underwriter on  XXXX  and they have not reviewed it. I asked about postponing the sale date of  XXXX  and he said " it is postponed. '' I told him they are not allowed to re-schedule it since they have a complete application on file more than 37 days prior to the sale date. He said this is the  XXXX  application and I said they are still required to postpone the sale date. He was incredibly rude and continued to interrupt. I asked for his supervisor and he said he 's not available. He said I would not continue to hold for a supervisor and hung-up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXXXXXX Account Name : XXXX Account # : XXXX Account Name XXXX XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I entered a consumer credit transaction on XX/XX/2021 with Chrysler capital I was approved for a 2021 XXXX XXXX XXXX online the website instructed me to take my approval to the dealership I picked which was the XXXX XXXX and XXXX in XXXX, mi. I went to the dealership I was told by finance manager I was denied. I contacted Chrysler capital and they sent me a letter stating I was denied for insufficient credit history. They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction
Product: Debt collection

Due to the fact that my Identity was stolen a fraudulent account was opened up with SYNCB/XXXX XXXX olice and FTC report in regards to being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A fraudulent account was made in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to CB VICSCRT to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), CB VICSCRT is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, CB VICSCRT must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. 
As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that CB VICSCRT will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Credit card or prepaid card

This accounts was closed by the company I had the card with and they wrote it off and now this new company is saying I have to pay them for it witch is not true when the card company wrote it off
Product: Vehicle loan or lease

Submitted a new auto loan application on XX/XX/2018 which was approved at 3.29 % APR locked until XX/XX/2018. Contacted bank to issue loan funds on XX/XX/XXXX and was told that I would have to re-apply because settlement method changed from dealer funding to refi funding ( still for same new auto product ). Further told that bank would not honor locked 3.29 % APR, and instead APR was  given at 3.49 %. Asked to escalate request to honor locked rate, and was spoken to unprofessionally and escalation was refused.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received 12 phone calls from a # while I was at work on XX/XX/XXXX. The final call I answered after I got home. The person described themselves as WellsFargo questioning a charge on my acct for {$110.00}. Asked if I accept or decline this charge. During this time I checked the back of my debit card and the number calling matched the one on my debit card. So i figured it was XXXX. They asked for my pin I felt comfortable because I thought it was customer service. They said I'm going to send you a 6 digit code read it back. I did. He said ok. I asked what this charge was for he asked if I had XXXX pay. I did not. I asked why my acct was on XXXX pay he had no idea but said to watch my bank acct and if i see any questionable charges I can file a claim. I though this weird they wouldn't freeze my acct but said no need because no money was actually taken. 2 days later I noticed an email from the bank saying my password was changed. I was unable to log in immediately ingot another email stating my balance went from {$1600.00} to {$1.00}. And a 3rd email saying I made a travel plan. I was looking back and saw an email saying my debit card was added to XXXX pay. Which I did not do. I immediately called wellsfargo the same number on my card they filed a fraud claim for me. Asked if I had given anyone my card or pin. I said no I explained what happened two days before. They said I was scammed. It was not them calling. I sent all the emails and calls screen shots to wells Fargo. They have denied the claim x2 stating that if it was fraud the person would have overdrawn my acct they didn't k ow how much money I had. I tried to explain that they did know because they changed my password on my bank acct and could see how much was in there. They made 2 purchases at the XXXX XXXX. Totalling just over {$1200.00}. I have been on the branch and filed a claim and appealed the denial they keep saying there is no evidence of fraud because the acct was not over drawn that someone had access to the balance. I explained they changed my password and could see what I had so of course it wasn't overdrawn they knew. I swear I did not make these purchased I own an android not an apple phone. I have tried everything to get my money back the bank keeps saying there was no fraud. Despite someone calling me 12 times from a fake XXXX customer service number. Please feel free to call cell with any questions. XXXX. Please help me. I am a healthcare worker struggling to pay my bills they took my whole paycheck and I have bills to pay. They won't work or listen to me. My hair dressers mom had the same thing happen fake call they instantly returned her money. So why am I having so much trouble fighting for what's mine?
Product: Payday loan, title loan, personal loan, or advance loan

This is more of a warning to others. I got this loan out of desperation at the time. I needed to have a medical procedure and I wanted to pay off some credit cards. The loan amount was for {$15000.00}. I only received {$9000.00}. The statement says my loan was for {$19000.00}. And I have to pay back {$33000.00}. Something is not adding up. It may have been explained to me at the time but thinking back, I wish I would have walked away. My monthly payment is {$580.00}. I pay {$280.00} bi-weekly. Of that {$280.00}, {$170.00} goes to interest. This just seems really fishy. And I definitely never got {$15000.00}.
Product: Checking or savings account

On XX/XX/XXXX, I applied for a checking account from US Bank and it was approved instantly and then I completed an initial deposit of {$25.00}. After that, I received an email that everything is completed. However, one month has passed, I have not received any information from US Bank about my account information such as account number and I have not gotten a debit card, so I can not set up my online account number. 

Until now, this account is still unavailable. I already spent a lot of time on it, called the customer service but nobody could help me, they transferred me to each other department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my Equifax report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Equifax credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.
Product: Credit card or prepaid card

XXXX Disputed charge from XXXX XX/XX/2023 -- Barclays Mastercard advises investigation states that merchant already credited account XX/XX/2023 XXXX was reapplied by Barclays stating that merchandise was not returned XX/XX/2023 -- Faxed Barclays proof that merchandise was returned. 
XX/XX/2023 -- Barclays refuses to return money stating insufficient proof was sent. 

Barclays also makes it virtually impossible to speak with a lice person and keeps me on the phone transferring from one department to another with no results.
Product: Money transfer, virtual currency, or money service

Over the course of two weeks I sent money to a unit manager who was renting an apartment in DC through XXXX. I was sent a renter 's application and lease. These forms seemed legitimate and I went ahead and signed the lease. This decision was made without seeing the apartment because of the stay-at-home ordinance placed due to COVID-19. After receiving the signed lease, the unit XXXX requested wire transfers for the cost of rent, deposit, and renter 's insurance. The total amount of money sent was {$11000.00} and was sent to two accounts, one with XXXX  XXXX XXXX and a second with XXXX XXXX. After receiving the payments the unit manager requested additional payment for rent. When I requested to speak over the phone regarding the latest request, they no longer responded. I found a phone number listed under their name online and called to find the unit manager was impersonating the unit manager of the apartment. I realized I was scammed and immediately reached out to the local police department to file a report. I reached out to Wells Fargo to file a claim. Wells Fargo has since denied my claim and I am waiting for the resolution of the police investigation.
Product: Credit reporting or other personal consumer reports

I expect expedited removal of the XXXX XXXX on my XXXX and Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Out of nowhere, a company called HARRIS & HARRIS, posted a debt collection on my credit report on XXXX XXXX for {$160.00} for XXXX XXXX. There has been NO previous contact, via mail or phone, from this company or XXXX of any debt ever owed. 
I have spent over an hour on the phone with XXXX  verifying the account I closed and was paid in full prior to XXXX XXXX, has NOT been or never was, sent to any collection agency. I moved to an area that is not serviced by XXXX. 
XXXX has advised this collection agency is either perpetuating a SCAM or it is a case of stolen identity. 
They are in violation of not sending notification of this account and it potentially being a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education is in Federal violation of the Fair Credit Reporting Act. They are tarnishing my reputation and causing undue hardship for falsely and illegally reporting alleged debt much beyond 7 years old. There are 3 accounts reporting on my credit reports with a status of collections. All are listed as Acct # XXXX with balances reflecting as {$25000.00}, {$54000.00} and {$28000.00}. These accounts are from XXXX and prior. US Department of Education is providing misleading information on my consumer reports. This illegal reporting has been preventing me from being able to apply for credit to provide for my family. My credit is constantly discriminated against because of these large amounts and outdated accounts. They have illegally reported that these accounts were opened in XXXX. I have not attended any school in the last 9 years. These accounts are fraudulent and violate my consumer rights.
Product: Checking or savings account

I never received my tax return filed for the year 2020. My accountant transposed two numbers on the paperwork that matched a different person 's account at my bank, Suncoast Credit union. Though the check name and information did not match the name and information on the tax return, Suncoast credit union allowed my 2020 tax return to be deposited into another banker 's account. The amount of this deposit was {$3700.00} and the individual who received it, spent it all. I filed numerous 3911s and have gotten nowhere with the IRS in returning the funds to me. After working with my accountant and the IRS, I have been directed to the financial institution for a resolution since it was their responsibility to make sure the funds are distributed to the correct account. Suncoast credit union has yet to take responsibility and correct this.
Product: Money transfer, virtual currency, or money service

Shortly after XXXX I open an account with Coinbase to trade digital currency. After setting up the account and sending them a small test deposit I wired a larger amount for {$10000.00}. When I attempted to trade they required a second level of identification verification. That step failed and I have not been able to either complete the trade or get my money back from them. For over a month now they have kept my {$10000.00} in Hold and I have not been able to access it. They have told me to open a support ticket and has been open for over a month now. Phone support does not help and they keep telling me it has been escalated to the highest possible level. It is not right that they have been keeping my money unavailable for this long. They provide me no other solution then to just keep waiting. I am more than willing to provide them any information they require
Product: Checking or savings account

Account # XXXX Comerica Bank Identity Theft XX/XX/2014 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Product: Checking or savings account

After initially filing a fraud claim in XXXX- where I was told my card would be disabled and no further fraud would occur- have yet to receive full resolution for multiple fraud claims. 

This complaint is regarding the charging of monthly service fees and the charging of insufficent fund fees for transactions that were reported as not authorized. 
I HAVE YET TO RECEIVE RESOLUTION and NOT ONE EMPLOYEE WHO HAS HUNG UP THE PHONE ON ME or kicked me out of the branch has offered to apply a Customer Satisfaction Credit to cover- instantly the illegal charges of non sufficient fund fees. Wells Fargo credited XXXX- whereas I was charged {$35.00} and not refunded of all bank fees. I truly feel Wells Fargo has the worst customer service I Have ever experienced and I am genuinely confused as to how you can still claim to strive to provide outstanding customer service to its customers. I was robbed, my identity was stolen and to make matters worse- after multiple police interviews and forwarding multiple copies of police reports, and after waiting the " standard ten days '' to resolve the claim- I was kicked out of a Wells Fargo branch , I was told by a branch manager who is still receiving a pay check from Wells Fargo that she would not be willing to help me report fraud on my account. 
What I am asking for is some type of gesture to show me that Wells Fargo is sorry for what has happened, that they have empathy and that they value me. While I understand and respect there are processes to follow, it seems unfair to say the least that I am left with a financial strain and told " we need time and we need to follow the rules to resolution '' when the employees who get paid to not provide service are NOT FOLLOWING THE RULES ANS PROCCESES to achieve resolution.

I was given a {$3.00} credit today, and this is deeply dissapointing that one one thought " lets provide her with a {$35.00} customer satisfaction credit '' ...
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : CONSERVE XXXX
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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