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

Reference Case number : XXXX Account number ending in:XXXX Closed Charged off. I received a letter dated XXXX XXXX, 2022 from Wells Fargo XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( Wells Fargo ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call Wells Fargo at XXXX, I spoke with XXXX XXXX Wells Fargo customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. Wells Fargo incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my Credit History. I believe that I am entitled to relief, for each Bureau ( consumer reporting agency ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of XXXX Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to XXXX  ( XXXX XXXX XXXX  ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against Wells Fargo and satisfy the open invoice as it relates to my research of this claim.Both Wells Fargo & Company along with XXXX XXXX XXXX XXXX XXXX ) have violated my rights- In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have monitored my credit score with transunion I believe they are intentionally holding down scores to keep interest rates up. 
I had one account balance increase and my score dropped XXXX  points no other changes.

Then on a day several days later I had 5 accounts that the balances decreased and one collection removed and my score only increased XXXX point that is a large disparity in the rise and fall of credit scores. THIS IS NOT AN ISOLATED EVENT. IT HAPPENS OVER AND OVER AGAIN. ARTIFICIALLY HOLDING DOWN SCORES TO KEEP INTEREST RATES UP. THE SAME EVENTS ON THE OTHER SITES CAUSED 50 POINT INCREASES THE EXACT SAME EVENTS WITH NO OTHER FACTORS OCCURRING.

WHY DOES 1 BALANCE INCREASE LOWER MY SCORE 10 TIMES MORE THAN 5 BALANCE DECREASES RAISED IT. THAT IS AN UNFAIR AND COSTLY DISCREPANCY AND IT HAPPENS CONSTANTLY WITH TRANSUNION AND WHEN I CALLED SEVERAL TIMES THEY KEPT SAYING THAT OTHER FACTORS WERE INVOLVED BUT THOSE FACTORS WERE FROM DIFFERENT TIMES AND AREADY HAD BEEN FACTORED IN THIS IS BLATANT AND ILLEGAL MANIPULATION OF SCORES TO KEEP SPECIFIC PEOPLE FROM IMPROVING THEIR CREDIT RATING AND RECEIVING THE BENEFITS OF A BETTER CREDIT SCORE
Product: Debt collection

Keith Weiner & Associates allegedly obtained a judgement against me for municipal taxes when I lived in XXXX, Ohio. I was never made aware of any lawsuit having been filed, or court dates requiring that I appear to defend myself against their claim. Since then, they have garnished my earnings to the amount in excess of {$6500.00} to pay the judgement of {$3000.00} issues against me without my knowledge. I looked into this further, and a quick public record search shows that their only attempt was mailing a standard usps letter to MY PARENTS ADDRESS in XXXX where I did not live. No further attempts were made to notify me of anything. Just recently ( within the last week ) I received a letter from this sham law firm that the judgement was released after 7 years. That was followed up today with another letter from these people demanding g that I pay them another $ XXXX or face additional wage garnishment for taxes assessed for a year that I didnt even live in XXXX except for a small part of XXXX. Additionally, the letter received today includes a veiled threat targeted at my job/livlihood stating that failing to pay them could result in my employer terminating my employment. This is unacceptable and illegal, and I will not tolerate anymore from these con artists who have already robbed me of almost {$7000.00} to pay a judgement of half that amount that I was never legally notified of in the first place.
Product: Money transfer, virtual currency, or money service

I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. On XX/XX/XXXX, I requested for an MT103 from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the MT103 was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. On the MT103, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX Bank based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX I am writing to express my dissatisfaction and frustration regarding a recent issue with my account ending in XXXX with XXXX XXXX, and the failure of Synchrony Bank to acknowledge receipt of essential documents I sent to resolve the matter. 

On XXXX, I sent an affidavit of identity, along with a copy of my ID and a utility bill, to the address provided by Synchrony Bank in order to verify my identity and resolve an issue with my account. My account has been frozen pending verification, and it has been over 21 days since I mailed the documents. 

The documents were sent to the following address : SYNCHRONY BANK XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX providing all necessary documentation and ensuring proper delivery, I have yet to receive any confirmation from Synchrony Bank that the documents were received and being processed. As a result, my account remains frozen, causing inconvenience and financial hardship. 

I am deeply concerned about the lack of communication and the delay in processing my documents. This situation has caused undue stress and inconvenience, and I expect a prompt resolution from Synchrony Bank. 

I kindly request that you promptly investigate this matter and confirm receipt of the documents I sent. Additionally, I urge you to expedite the verification process and unfreeze my account as soon as possible. 

Please provide me with updates on the status of my account and the resolution of this issue at your earliest convenience. I appreciate your attention to this matter and expect a timely response. 

Thank you for your understanding and cooperation.
Product: Debt collection

A steady on going issue with my identity being stolen don't know what the XXXX to do who to contact. These people are using vpns and OMACP hacks to go through apps to get information
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason they holding my money which I really need.And would not help me getting it back up and going Im not sure if this is a mistake as I assume it has to be I have not been able to get help from them for days calling holding hours on phone, This has greatly affected my business during this Covid time. I would really appreciate if you guys can help My email for PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX. 

Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done. 

This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ). 

The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too. 

This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Serious Complaint of Fraudulent Activities, Harassment and Violation of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to register a complaint against Bank of America, concerning an ongoing issue related to a fraudulent auto loan that was discovered under my name in XX/XX/2023. Despite providing a police report and identity theft affidavit, Bank of America continues to hold me liable for this fraudulent account. 

Bank of America 's fraud investigator, XXXX XXXX ( Phone Number XXXX ), has notably surpassed professional boundaries. Her conduct has been abrasive, confrontational, and ultimately, harassing. Despite my repeated insistence that she communicate with my attorney ( as outlined in the letter sent to Bank of America on XX/XX/XXXX ), XXXX XXXX disregarded this directive and continued inflicting distress upon me with inappropriate and intrusive phone calls. 

What's more, she exceeded her jurisdiction by contacting my local police department and falsely accusing me of forging my police report. This resulted in a detective contacting me to question me based on her allegations. Following the investigation, the detective confirmed that there was no evidence pointing towards me being the one who took the loan. 

I wish to underline that such conduct and disregard from Bank of America and its representatives severely infringe on my rights under the Fair Credit Reporting Act ( FCRA ). As per Section 615 of the FCRA, any user of a credit report is required to provide a notice of an adverse action ( like applying higher interest rates ) if the action is based upon information contained in a consumer report. However, the bank in question is alleging a fraudulent loan on my account and categorically denying my involvement in it. 

I believe the activities and conduct of Bank of America and its representative have been grossly inappropriate, potentially illegal, and a clear violation of my rights. As such, I request a full-scale investigation involving federal intervention to bring justice to this matter promptly. 

Attached herein is the letter from my lawyer, outlining that all further communication related to this matter should be directed to him. 

Should you require any further information to pursue this case, please feel free to contact my legal counsel. I look forward to a swift resolution to this matter and thank you for your intervention. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate an issue on my credit report. Despite providing all necessary documentation and clearly outlining the inaccuracies, Equifax did not conduct a thorough investigation. As a result, incorrect information remains on my report, affecting my credit score and causing unnecessary stress. This lack of diligence and failure to uphold their responsibilities in ensuring accurate reporting is unacceptable and has significant repercussions for my financial well-being.
Product: Mortgage

Specialized Loan Servicing LLC ( SLS ), owned by an Australian-based company, XXXX, conducted a non-judicial foreclosure sale on my property on XX/XX/XXXX during a forbearance agreement and could not validate if the loan was in default at the time of the nonjudicial foreclosure sale, rescinded the non-judicial foreclosure sale due in part to a complaint filed with the CFPB ( case number XXXX ), and offered a loan modification in XXXX. However, SLS, the servicer and debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ), and the lender, XXXX XXXX  XXXX XXXX XXXX, as indenture Trustee, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) have not validated the loan balance as requested by Real Estate Settlement Procedures Act ( RESPA ) Qualified Written Request Letter ( QWR ) - Request for Information and Notice of Error pursuant to Section 6 ( 12 U.S.C. 2605 ) despite signing an affidavit under oath in XX/XX/XXXX that the mortgage loan balance is accurate. On XX/XX/XXXX a QWR letter was sent to SLS and a SLS representative verified in a call on XX/XX/XXXX that they did not completely validate the accuracy of the mortgage loan balance from the prior servicer ( s ) in their response as required by CFPD debt violation procedures. On XX/XX/XXXX a second QWR letter was sent to SLS per their request during a conversation on XX/XX/XXXX which is a violation of RESPA Section 6 since they should have validated the mortgage loan balance within 30 days from the XX/XX/XXXX QWR letter or stop collecting loan payments until the error could be addressed. I requested that they stop collecting monthly mortgage payments until they verify the accuracy of the mortgage balance and they did not. I believe that the current mortgage loan balance is well overstated and is causing me financial harm. Also, XXXX can not verify if my mortgage loan is included in the Trust ( i.e, XXXX XXXX XXXX XXXX Callable Mortgage-Backed Notes, XXXX XXXX ) which is in violation of New York Trust Law, SEC regulations and IRS regulations. A XXXX executive signed under oath that my mortgage loan is included in the Trust, but have not been able to provide any evidence. In additional to the violation of RESPA and FDCPA requirements, I believe that SLS and XXXX are in violation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by filing a false and misleading affidavit. They should be able to prove the loan balance owed and prove that the loan is indeed in the Trust. I believe that SLS and XXXX are engaged in unfair, deceptive or abusive acts or practices that violate federal consumer financial laws.
Product: Checking or savings account

XXXX deposited a check from a customer, the check was accepted and put into a hold on Monday morning. As per the customer the money was taken from his account that afternoon its now Thursday and it still hasnt been deposited. Not only are they in violation of funds availability portion making the first {$220.00} available but the amount of time they take to process the payment. Since there is only 1 federal reserve and considering it was done electronically makes it a local bank electronic funds transfer should be available in my account no later then Tuesday.
Product: Checking or savings account

In XXXX I opened. a Wells Fargo account. I started getting all kind 's of overdraft charges. I specifically told the banker that I don't want overdraft service. I remember having paid over XXXX dollars in fees and not to mention them closing my account for owing fees on services I never approved, or asked for. I couldn't get a bank account after that for 7 years! 
It messed up my credit score and i'm still affected by them. I was in good standing and they really screwed my life up! It didn't stop with them closing my account. They also slandered my credit file. Resulting in many lost oppertunity in life. It's resulted ultimately in me suffering mentally also from low self worth.
Product: Credit card or prepaid card

I received an alert that an inquiry for a credit card was made in my name with Bank of America yesterday XX/XX/XXXX. I called Bank of America immediately. I spoke to Customer Service then to the Fraud department. Both departments said I had to call back again because there was no account number associated with the inquiry yet. I insisted they make a note. They still said I had to call back. I have spent more than 2 hours on hold yesterday and today, spoke last to " XXXX '' and am concerned this card is issuing. They confirmed an application was made in my name, social security number and home address but with a different telephone number. I'm concerned an account will open and that I have to continue to contact them. I want written confirmation from them that no account will be opened and confirm I have contacted them and no further action is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : 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

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Credit reporting

An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that.
Product: Money transfer, virtual currency, or money service

Cash app took my stimulus and put it into a Bitcoin account. Because i contacted then via cash app cash support. Someone called me i followed his instructions and i haveca video i would love to send but its not letting me because you can see this huy operate my mother 's phone by themselves and clearly see him take my XXXX $ stimulus check and put it into Bitcoin. Alse watch him remove my moms information off her cash app account then tell her not to get on it until he calls the next dayband were still dealing with this XXXX. Ive senf there support emails after email no reply i hop yall can get my stimulus check back
Product: Payday loan, title loan, or personal loan

The problem is with the statement procedure.  For over 2 years, mailed statements only include regular payment amount due.  Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc.  for this length of time, statements have the words “under construction” pertaining to the lack of information.  Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).
Product: Credit reporting or other personal consumer reports

D Bank USA/Target Credit XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Account Information To Whom It May Concern, I am writing regarding the above-referenced account ( Account Number : XXXX ). Please note that I am not disputing this debt ; however, I am requesting the following information for my records : XXXX. The date of first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 
I would appreciate your assistance in providing this information at your earliest convenience. 
Thank you for your time and cooperation.
Product: Debt collection

The company that is attempting to collect from me is Caine & Weiner. After inputting their information into the Department of Licensing and Regulatory Affairs I was informed that the company is not licensed to collect debt in the state of Michigan.
Product: Credit reporting or other personal consumer reports

Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution. This isnt just an inconvenienceits affecting my financial stability and mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible 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