23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a phone call at XXXX XXXX  PT on XX/XX/XXXX. My phone showed the call to be from Wells Fargo Bank ( XXXX ). The individual identified himself as an employee of the fraud department at Wells Fargo bank ( where I have my checking and savings accounts ) and that he was calling to alert me of a possible fraudulent transaction of a XXXX transfer of funds out of my savings account. He identified that the funds had been sent to 'XXXX  ' at XXXX XXXX. He questioned me about whether I had initiated various transactions form my bank accounts, showing that he had accessed my banking accounts at Wells Fargo. He never asked, nor did I volunteer, any personal information. He provided a name ( bogus ) and an employee ID number ( also fraudulent ). 
He indicated that the way to restore my funds was to do a reverse XXXX transfer back into my account. Over the next XXXX minutes, he walked me through the process to 'restore my funds ' -- this involved setting up a XXXX transfer with me as a recipient through my email address. At the end of the call, he stated that the funds were now back in my account and he thanked me for being a loyal Wells Fargo customer over the past 30 years ( only something he would know by accessing my accounts ). .He told me that he would call me back the next morning to assist me in changing my ID and password to protect my accounts. 
When he did not call me, I contacted Wells Fargo and learned that there was no employee under the name and ID number that the scammer had provided and also learned that the {$3000.00} had actually been transferred out of my savings account to XXXX XXXX where I believe that the scammer had an account. I have two claims open at Wells Fargo bank as of XXXX XXXX. To date, there has been no investigation initiated by them in response to my claims, no temporary credit provided for my {$3000.00} loss. Every time I call the bank, I receive conflicting information. On XX/XX/XXXX I was told that my claim was expedited up to the executive level due to the nature of the fraud alleged by me, but today I was told that was not the case since there has been no assignment of a case manager and absolutely no investigation started. I spend 2-3 hours a day speaking to various Wells Fargo employees who are rude, incompetent and useless in assisting me to get my stolen funds returned. 
I believe that this theft was committed by a current or former Wells Fargo employee with access to my bank accounts. I desperately need the funds that were stolen from me. Please help.
Product: Checking or savings account

On XX/XX/XXXX someone transferred our savings into our checking and made and UNAUTHORIZED charge at a XXXX in another state. Bank of America filed a claim and it took 10 days to process. We received notification on XX/XX/XXXX that they denied our claim and were not refunding our money. We have called today XX/XX/XXXX to appeal and they said it can take up to 60 days. This is unacceptable and we believe they need to refund us immediately. What can we do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information
Product: Checking or savings account

I had issues in the past with the callcenter they were not abble to verify me, I spoke with the branch representative on XX/XX/XXXX and they helped me with the request. Today XX/XX/XXXX enrolled into my online banking I requested through the chat to open a merhcnat dispute and they said cant help me because im not verified. I cant guess how a customer cant be verified if is already logged into the online banking with the credentials and the code verification, doesnt make sense. I was referred to go to the branch, XXXX XXXX and im right now in XXXX. 
So please fix the issue and XXXX  open the merchant dispute for credit not precessed. 
I went to the store XXXXXXXX XXXX on XX/XX/2024, to buy XXXX XXXX XXXX  silver XXXX gb for an amount of XXXX each XXXX and again on XX/XX/XXXX to buy XXXX more for an amount of XXXX. Those XXXX arrived to my house on XX/XX/2024, but for that date were no longer needed, so I went to the store in person on XX/XX/XXXX to return and request the refund, the return was accepted and on the same day the refund receipt was issued. They have a timeframe of XXXX  days to have the refund posted to my account. 
The refunds were never posted to my account and on the last contact with them they just said contact your financial institution for billing adjustment. 
Please open the merchant dispute for those XXXX transactions under the reason " credit not processed '' under the transfer act and regulation XXXX and Z the bank cant deny the right to open disputes, and is customers choice if wants to open by phone, letter or in person. 

Thanks
Product: Credit reporting or other personal consumer reports

loan was sold then XXXX XXXX says balloon payment on credit report Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. Balloon payment of {$20.00}, XXXX XXXX  XXXX XXXX then i got this and don't no why because i never ask XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Verifying my report with the Experian agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXy # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. Equifax, XXXX  and XXXX  all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both TransUnion and XXXX. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$2800.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX debt in the amount of {$330.00}. Two collection agencies are trying to collect this same debt. Both of them told me they are responsible for the debt and to not pay the other company. The two collection agency names are Waypoint Resource Group and XXXX XXXX XXXX. XXXX told me that XXXX was a fraudulent company and to be weary about paying them, that they checked the better business bureau and it said that XXXX commits fraud. The debt was opened with Waypoint on XXXX XXXX. It was then opened with XXXX on XX/XX/XXXX. Waypoint began a dispute in XX/XX/XXXX and it still isnt resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX late open XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I cosigned for a loan in which I am responsible for all money required to fulfill the contract. The signer defaulted on loan. Loan company sent a notice of plan to sell property-private.it included a reinstatement or redemption letter.The signer has no means to redeem or reinstate the loan. I decided to redeem the vehicle.They had imposed XXXX requirements to redeem vehicle, I complied. They had sent a release to the repossession company and I retrieved vehicle. I had requested they send lien release and title to my address.Not to the default y signer, they agreed to this. They took my address and said they will overnight the paperwork .This did not happen After a day or so had passed I called and requested to be sent same and again they promised overnight delivery. This did not happen. I called again and spoke to a person who had told me she will not send these documents to me because she believes that the default y signer had more money involved and deserved the vehicle. I have taken this up with all thew law enforcement agencies at hand to no eval this includes the ca. dmv. The default signer came to my home and took the vehicle. The ca dmv has started paperwork for transfer of owner to me but I can not complete without the lien release form. I sent a demand letter for the same but they have not responded.They have faxed/facsimile to me knowing the Ca DMV does not except facsimile copies. A XXXX XXXX had told me to sign up for and aquire a XXXX Account and send the account number info to her and she will overnight the lien release, They again deceived me, which from the beginning they have deceived me at every point.I attached my fax page to this account of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been refinancing my mortgage and financial institution advised me not to make payment to Lending point this was going to close before next payment is due. However there was issues with my mortgage they didnt submit documents on time and I missed one payment with Lending point. I brought account current and I always make payments on time. I received message on acct stated that Lending point will remove this mark on my credit. They never corrected my credit. I just ask for one time courtesy. I am trying to refinance again and I cant complete because this mark on my credit reduced my fico score. In this difficult time dealing with covid, when everyone is struggle with making payments I am always on time and I dont understand why Lending point refused to work with me. I am asking to correct my credit and remove mark 30 days on my credit. If you need to speak with me, please email to XXXX or phone XXXX XXXX XXXX thank you
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see incorrect accounts, and I have no idea how they appeared. I regularly monitor my report, but this time I noticed unexpected errors. I even refreshed my browser to check if it was a mistake, but nothing changed. Because of this, I am requesting a detailed review of the documents I sent so that I can stop worrying about this issue.
Product: Debt collection

This debt popped up on my credit report this year. I have no clue what this company is or who they represent. It should be against the law for this companies to just pop up on your credit report without contacting the consumer first
Product: Debt collection

The debt collector Credence XXXX head been harassing me since XX/XX/XXXX on a {$20.00} debt that was paid last year. The medical bill was from XXXX of XXXX, Pa. The first service rep I talked to asked to be on a 3 way call to talk to XXXX about the charge. XXXX told both of us that this charge was paid back in XXXX. Service rep apologize to both of us and said he would clear the charge on his end I decided to call back and find out about this charge possibly being on my credit report and if it was to have Credence take it off. This rep said they could not clear this charge unless I called XXXX to have them send paperwork. I told Credence I just cleared this up with another rep there to look at her notes on the account. She refused to go any further unless I called XXXX. I asked to be connected to the rep I talked to and she refused. I remind her that her company is refusing to do the very thing I was asked to do by the service rep of your company and you are asking me to do your job because your company failed to communicate correctly with XXXX. She flat out said I had to call. I said your rep said the 3 way phone call and failed to do his job. I warned her that I do not wish to receive another phone call from Credence. I also told her to clear this account on her end and takes off any and all reported marks on any of my credit reports. She denied service. They have been harassing me over a {$20.00} bill since XX/XX/XXXX with a phone call about every day since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times that this company provide proof of my authorization to inquire on my credit.

I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry.

From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Product: Vehicle loan or lease

This company American Credit Acceptance is a scam.. Also, they made me put down {$5700.00} on the XXXX  XXXX XXXX XXXX which is against the law leaving me with an extremely high interest rate knowing that I could not afford that according to my income that I provided to the company. With that large amount of a down payment the monthly car note should have been much less! However I have now learned that down payments are not legal. Which makes this action reported to my credit profile unfair based off an illegal deal. This was not properly investigated
Product: Credit card or prepaid card

I have been a loyal XXXX Customer for many years. I have several devices. I actually have three phones on my cellular account including an XXXX XXXX. Three XXXX ( mine, my mother 's and granddaughter 's ) a XXXX, XXXX watch and XXXX. I have had a XXXX XXXX for several years with a 1 rating at all credit bureaus. However, I just recently, received a letter from XXXX, XXXX 's go to financing company. They informed me that they are reducing my credit line due to " Derogatory Public Record or Collection Filed or Proportion of Balances To Credit Limits Too High on Revolving Accts ''. I checked the reporting agency, which does not have any XXXX XXXX XXXX on my file. As a matter of fact, no company has at this time. 
Reducing my credit limit only serves to make matters worse. It will only make it appear that I am nearer to the credit line with XXXX. I would have rather the company decide to not extend any more credit than to create this issue. This practice should be examined and stopped. I have never been late on this account. I have actually paid several balances early. 
No loyal XXXX customer should be treated like this ...
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed several inaccuracies with the following account, which is negatively impacting my ability to obtain credit. I understand that the credit bureaus are required to investigate accounts to ensure their accuracy. Below is the account I am requesting you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, please provide the names and business addresses of each individual with whom you verified the account, so I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation. 
Upon further review, I also discovered several inconsistencies in the reporting of this account across multiple bureaus, causing inaccuracies that must be corrected. 
Furthermore, under the XXXX XXXX ( XXXX ), financial institutions are obligated to protect consumer privacy. The continued reporting of this inactive account poses a risk of unnecessary exposure of non-public personal information.
Product: Debt collection

I signed up with XXXX XXXX XXXX in XXXXXXXX XXXX 2023. I received my aligners on XX/XX/2023. The aligners didn't fit and I requested a refund ( as per my contract I had 30 days ). Smile direct club agreed and I was told they would contact me in the next few days to arrange a return. The company closed on XX/XX/2023. XXXX XXXX XXXX is unreachable by phone, email, and the app and website were closed. The only point of contact was the payment processing company Healthcare Finance Direct. I have reached out to them many times to have my account put on hold and they have refused. I have received a discontinuation of treatment from XXXX XXXX XXXX and I believe the contract is null and void. XXXX XXXX XXXX will not be providing any of the services that were agreed upon but Healthcare Finance Direct has continued to bill my account and refuses to even put it on hold while XXXX XXXX XXXX goes through Bankruptcy. I have no product, no dentist and have needed to seek other medical care but Healthcare Finance Direct has refused to stop billing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$430.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$1200.00} Charge Off XXXX  XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Product: Credit reporting or other personal consumer reports

I have over XXXX inquiries on transuion XXXX on XXXX and XXXX on XXXX that I did not authorize only inquiries that should be on my credit report are the one in which I have a open account. I did not authorize the other creditor 's to run my credit my information was stolen in data breach