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

XXXX XXXX Wells Fargo opened up 3 accounts under my name without my knowledge or authorization! account # XXXX / # XXXX / # XXXX! on XX/XX/XXXX i filed a complaint about 3 other accounts with the same action done to them. On XX/XX/XXXX letter came on the subject ; Mediation option available to me. On XX/XX/XXXX Wells Fargo sent me letter stating they conducted a review of unauthorized accounts they apologize and enclosed a {$85.00} check! They stated you may have or will receive a notification about class action settlement related to the opening of unauthorized accounts. Go to WFSettlement, com by XX/XX/XXXX! Checking it out my name was on list and told me {$85.00} check was standard for anyone who filed complaint on this crime! Here to find out someone removed my name from list and i found this out from the Office of the Controller of the Currency addressing the banks sales practices! On XX/XX/XXXX Wells Fargo wants to ensure you are satisfied with how your complaint was resolved! Im victimized again. Wells Fargo doesnt care about me! If the table was the other way around i be headed to jail Wells Fargo would make sure that happen!
Product: Vehicle loan or lease

New car purchased XX/XX/18.Preapproved loan with Honda Financial Services showing approval for new loan taken to dealer which was XXXX XXXX in XXXX, Ohio. Search for new car completed online using XXXX XXXX as a tool to try to get the best deal for car. Told by internet manager XXXX XXXX that once loan was approved she would receive approved loan application. Loan rate that I applied for online with Honda Financial Services was 1.9 % rate. Went into dealer and was told that the loan rate did not apply to the amount of months that I was financing for. I have written rate and months that I applied for and was still told that it did not apply to my purchase. The financial manager said that the rate that I would be financed for was 2.9 % evening after showing the approval amount and the rate and months applied for online prior to going into the dealership. The finance manager signature can not be read. I tried to contact the dealer to get his name but was not successful. He told me at the purchase time that he will make it work to base the new loan payment to be the amount of my previous loan amount of XXXX dollars. 
I was contacted online to complete a survey regarding my experience. I tried to be fair and honest about how I felt the transaction had went. I also received a phone call shortly afterwards asking how I felt about my experience at XXXX XXXX of XXXX, Ohio and told the person that I had completed an detail survey which was very lengthy. 
I contacted Honda Financial Services which had to be done by mail showing all of my documents from them when I applied online for the car loan and was told today that Honda Financial Services work independently from the dealers and that I would have to go back to the dealer XXXX  XXXX regarding the change of the loan rate. 
I am just trying to find out why the finance company and the dealer do not honor the rate after the customer apply and is approved for the loan. 
As I stated previously I have documents showing my approve rate.
Product: Payday loan, title loan, personal loan, or advance loan

Marcus by Goldman Sachs gave no notice to their customers that they would sell off their loans to another servicer. I found out I am caught by surprise and they have now added more challenging work on the customer to get the transparency they deserve about their loan. If one elects paperless, one should still have access to legacy statements from prior months if their customers need to reference them.

Ever since Marcus by Goldman Sachs sold off my loan- which was literally within the last two weeks possibly ( early XX/XX/2023 ), I can't get access to my prior statements from the Marcus by Goldman Sachs online portal. If we were supposed to save those statements prior to Marcus selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the Marcus by Goldman Sachs online portal.

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the XXXX website. I have no statement visibility via my online account in Marcus by Goldman Sachs online banking portal. 

XXXX 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. XXXX 's online portal is so terrible that it looks like an interface from the late XXXX XXXX. Not user friendly and hard to navigate to even find their data privacy notice. 

Marcus by Goldman Sachs should've worked in tandem with SST to ensure an effective transfer of the loan, which includes full transparency into my statements from the inception of this loan.

When one agrees to paperless statements and then transfer the management of my loan to some other unknown financial institution WITHOUT my ability to have any control over the decision and one can not see any statements, how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with XXXX or Marcus by Goldman Sachs.

This transfer of my loan to XXXX by Marcus by Goldman Sachs was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via XXXX 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. 

Even though Marcus sold off the loan, they should still be held accountable to ensure we ( the customer ) receive sufficient paperwork or loan statements to assist us with the transition to the new servicer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN TRYING FOR YEARS TO CLEAR THIS ACCOUNT UP AT NO TIME DID I EVER SIGN OR ENTER INTO ANY AGREEMENT WITH THIS COMPANY. THIS ACCOUNT IS FRAUD AND I NEED THIS CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit card

I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$120.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Checking or savings account

Applied for checking account already having XXXX credit cards with CITI financial and with no warning or disclosure they did a hard pull on my credit. I would not have applied for the account had I known this. I did take the time to read the fine print before applying and again after the credit inquiry and nowhere does it disclose this.
Product: Credit reporting

I have disputed with Equifax and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All three bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Equifax make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Equifax or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file
Product: Mortgage

Fay Servicing is playing hardball especially during the XXXX. They listed that they are here to help and they are not They're not willing to work with me even though there is over {$100000.00} worth of equity in the home. I have been in this house since 1997. I'm XXXX XXXX XXXX and on a fixed income. In addition, my husband has been deceased for 10 years and they keep listing him on the loan. This has also caused problems for my son who has the same first name but was only XXXX XXXX XXXX in 1997. I simply have been trying to get them to roll the arears on to the back end of the loan so that I can move forward. My monthly pension has been reduced by {$600.00}. I really need help. I'm not trying to get additional money, even though that would help. I ust want to remain in my house. They make the process so difficult. Fay Servicing has requested for me to pay an additional XXXX or XXXX additional dollars a month. If I'm struggling to make the payment now I certainly can't afford to pay any additional monies. My house is scheduled for foreclosure on XX/XX/XXXX. I really would appreciate any help you can give me. Thank you kindly.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of a fraudulent account XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX over {$1000.00}. I tried to contact them numerous times, no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Acccont information is being reported incorrectly
Product: Checking or savings account

I bank with BB & T and there were three unauthorized charges on my account that were clearly not me. Along with that came over XXXX dollars in obnoxious fees. Now I wasnt able to pay my power bill which is horrible because I have XXXX kids living with me. To my surprise they denied the claim, because I'm just a number and they clearly dont care about their clients.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you recieiving this complaint.This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Number XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit repair act ( Congress put into place ) 1 ) XXXX XXXX, 2 ) XXXX  Account number XXXX and 3 XXXX XXXX XXXX XXXX 15USC 1681 Section 602a I have the RIGHTS to PRIVACY. Congress put this law into effect however credit agency do not adhere to it. THis is a Law and it need to be enforced laws are for structure.

Secondly 15USC Section 604 a Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given these companies to any written instruction nor have I sign documents allowing them to report to report. Congress has given me the power to say NO and the option to allow by writtten signature I have not sign anything Please show me where XXXXi agreed to this. THIS IS GROSS NEGELIENCE AGAINST ME and no one is obeying the law.

These collection are costing me higher APR rates and higher interest on my credit card. XXXX XXXX does not have enough proof that debt belong to me can I see a sign contract and not a statement that I never stayed at before I never stayed at XXXX XXXX XXXX, XXXXTN XXXX or XXXX XXXX XXXX XXXX these address are fraudulent. I am reporting this to Identitity THeft.gov 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

on MY REPORT IT SAY I OWE XXXX XXXX HAS I OWE {$690.00} WHICH ONE DO I OWE BECAUSE CONGRESS REQUEST FOR ACCURACY OF EACH CONSUMER REPORT. INADDITION YOU ARE REPORTING XX/XX/18 ON XXXX, EXPERIAN YOU REPORTING OPENING DATE XX/XX/2018. THE DOCUMENT YOU SUBMITTED TO CFPB YOU SAIED XX/XX/XXXX WHAT DATE IS IT. VIOLATION DELETE THIS OFF MY REPORT DELETE THIS OFF MY CONSUMER REPORT. THIS HAS CAUSE SO MUCH DAMANGE. IN ADDITION IF ITS CHARGE OFF A BALANCE SHOULD NOT BE REPORTING BUT THERE IS .....
Product: Debt collection

A false collection has been assigned on my name which I do not owe and has been paid by my roommates for XXXX XXXX utilities con services for the period of XXXX to XX/XX/XXXX. 

I had left from lease for the apartment which i was staying in XXXX XXXX in XX/XX/XXXX. My roommate had got the XXXX XXXX utilties account transferred to her name and paid the bill in XX/XX/XXXX. I can provide her bank statment for the payment made towards the XXXX XXXX utilties. 

The collection agency is Rash Curtis collections. I had requested for the itemized bill for which the collection charged. The company sent a corrupted zip file in email within 5 minutes of the request. When I called them again to request for the non corrupted pdf file, the collection person said they will send the file after the call. But i have not received it for 2 days. 

I had also visited the apartment leasing manager in XX/XX/XXXX and ask her to clear this with collection agency, since she was the one who had forwarded it to collection. 
She had called up collection agency and asked them to clear it since there was no pending balances.But it is still not cleared and there is no way to get this resolved. 

Please help with false collection which is assigned to me. I have attached the file which was emailed to me by Rash curtis which was corrupted. I have also attached the email from them.
Product: Checking or savings account

I was working for XXXX and got a call claiming to be XXXX  support saying my order was canceled and they needed some information to verify my account. Then a couple minutes later my account was cleared out of all {$830.00} in 8 different unauthorized transactions from my XXXX card by XXXX through XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine transunion, XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..