23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I Used a Bank of America ATM at XXXX to withdraw {$1000.00}, the daily max limit from the EDD card provided to me for unemployment. The Bank of America ATM was # _______.

During the transaction, I did not receive {$1000.00}, just a receipt that I had received the money and that {$1000.00} had been withdrawn from my account. Because I thought maybe the money had gotten stuck in the machine, I called for my wife who was outside waiting for me to stand by the ATM, while I ran into the bank to ask for help. The Bank of American staff said they had nothing to do with the ATM 's and  gave me a number to call. I called the number given to me, XXXX XXXX XXXX and explained the whole situation. She said a case number would be given to me, and usually that it can take up to 6 weeks  before matters like this get resolved. After my phone call I went into the bank, since I still needed the {$1000.00}. I had to explain myself again, since a {$1000.00} is the daily limit. After telling the story she let me take out {$1000.00} from my account. My account statement now had 2 withdraws of {$1000.00} each. After receiving the {$1000.00}, I called back the number I was given to ask more question and also to explain that I had received {$1000.00} from the clerk but was still missing {$1000.00} from the ATM.

Weeks later, I received a letter saying I would be reimbursed for the  {$1000.00} from the ATM during the investigation process. After that I received another {$1000.00} with a different claim number. So I know had received {$1000.00} too much. I tried calling the XXXX to let them know the mistake but no one answered my call and still hasn't to date.I have been calling other numbers, EDD, Bank of America, Fraud etc, but they all say they have no involvement in the matter and can only transfer me. 2 weeks after I received the $ XXXX I received another 2 letters, 2 different claim # 's. Both stating the account has  been subject of fraud. The $ XXXX was now withdrawn from my account and case closed. Meaning I'm still missing my {$1000.00} from the account and the case is closed and I can't seem to reach anyone to resolve this matter. I tried again calling other numbers including the number that was given to me on XX/XX/XXXX, when the ATM withheld my {$1000.00} but they either say case is closed or redirect me to a number that never answers. I have been on hold daily for hours and hours on stretch. If I just let the phone be on hold, after about 2-3 hours it goes to a mailbox that hasn't yet been set up and then hangs up your call.

I do have the ATM number, I have my letters from bank of America, the 2 different claim numbers.
Product: Credit reporting or other personal consumer reports

Seterus , Inc., was a division of the XXXX XXXX lender who purchased my home loan and began a series of illegal attempts to change the terms of my morrtgage, the date the mortgage was initiated was off by 7 years, the length of the mortgage was increased from 30 to 48 years, and continual unsuccessful attempts to modify or forclose on my mortgage. The company was shut down for its business practices, but not before it had damaged my credit with false legal fees, additional money taken from my checking account for " homeowner insurance '' when I always was covered, false reporting of late payments when they had auto-pay, additional fees for XXXX` drive by '' visual inspections to make sure my property was inhabited, and continual phone abuse reminding me of upcoming payments when they had an auto-pay account with me. When their company was shut down, they were ordered to remove any reference to them on my credit reports. They did not. My loan was subsequently transferred to another mortgage company where it was paid on time for the duration. This has gone on for 5 years, and needs to be removed from all credit reporting agencies.
Product: Credit card or prepaid card

My annual fee for XXXX XXXX was due and I sent a letter to request close my account and credit the annual fee back to my account. Since I have auto payment set up, XXXX XXXX XXXX XXXX card charged my {$95.00} and then closed my account. They never credit the annual fee back to my account. I am requesting Barclays to credit the {$95.00} annual fee back to my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report 2. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Account was paid XXXXXXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. Contacted Creditor/Agency asked fXXXXr proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account NumbeXXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 

6. Account was paid and closed XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX  Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 

8. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was open by fraud I do not know these accounts I was incarcerated for the pass few years XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS DISPUTE LETTERS TO XXXX EXPERIAN, AND XXXX TO DISPUTE THE NEGATIVE ITEMS ON MY CREDIT FILE. STILL TIL THIS DAY I HAVE NOT RECEIVED ONE INVESTIGATION RESPONSE, LETTER, AND OR ANY REPORTS OF THEIR FINDINGS. I DON'T THINK THAT IS TO MUCH TO ASK FOR A UPDATE BUT THEY HAVE REFUSED TO SEND ME ANY DOCUMENTATION REGARDING MY DISPUTE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I checked my Experian consumer credit report and noticed 2 XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a police report with the XXXX police department ( attached ) and FTC Identity theft report with the reference number XXXX. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law.
Product: Mortgage

Wells Fargo mortgage closing on XX/XX/2015 property with United States Treasury involved. 

Remodification improper fees and Closing mishandled. Add on fees also improper. 

I had this FHA loan for around 15 years and during that time I had 2-3 remodifications recommended by Wells Fargo ( I believe and only remember two. ) This was around the time the market fell in 2008ish.

When I sold this property, Wells Fargo gave the title company the balance owed with two remodifications included to be paid and gave a " clear to close '' balance which paid off the two remodifications also. We then closed on the property.

Years later I received a letter from the US Treasury saying I owed on a remodification loan that was not paid at closing on the above property to them and I have 30 days to pay {$16000.00} or I will get charged a penalty of {$10000.00}! I thought it may be a scam since they threatened me when I called like a debt collector would, and ignored it until the did charge me the {$10000.00} penalty. They started garnishing my wages and garnishing my tax returns. So I called Wells Fargo and asked them to send all info on the loan. It seemed the accounting was correct, but I really didn't know how to read it. 

I want you to please check the charges on this loan and the remodification fees overcharged as Im not sure if Wells Fargo did not pay them to US Treasury at closing or if US Treasury was paid but did not credit my account. Another scenario is that Wells Fargo added another remodification to my account and forged my name. Otherwise, how would they get a payoff and " clear to close '' and the Title Company close on the mortgage? 

This has harmed me for years as I was a single mom and XXXXXXXX XXXX and they affected my credit where I could not buy another house and it has affected my and my children 's quality of life. Now I am receiving Social Security and they are garnishing from that check. 

Please help with the charges on the loan and let me know if I really owe this. How could they give a payoff with two modifications paid off and come back years later to tell me US Treasury didn't get paid on another after receiving a payoff from Wells Fargo and " clear to close '' at closing on this property? 

I appreciate the help so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXXXXXX, 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 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with Equifax, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. Equifax 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification.

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports.

Equifax 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

As recently as XX/XX/XXXX I requested loan docs and warranty information from the company to get assistance regarding the repairs of the vehicle. The engine was completely damaged without explanation. It is a XXXX and there is still {$30000.00} owed. {$24000.00} was already paid into a vehicle that was only {$28000.00}. Ive asked for assistance in getting warranty information but have not been able to obtain anything.
Product: Checking or savings account

I have been trying to add the Durable POA to my XXXX XXXX XXXX Grandmother 's bank accounts at Wells Fargo since XX/XX/XXXX to help her access her accounts and keep up with balances, charges, deposits and to help her get past statements for the 5 year lookback with XXXX she's trying to apply for. Her health is declining and she needs help. Durable POA was done at Wells Fargo in person ( my Grandmother, my husband and I-the DPOA 's , and 2 witnesses at my Grandmother 's local bank branch. I live in Oklahoma. She lives in Florida and is currently in a XXXX home. This was written up in XX/XX/XXXX. Wells Fargo 1st said that their notary missed checking a box for known or in person however she wrote underneath presented FL identification proving we were there. The bank notarized the XXXX, designation of XXXX XXXX & living will, and actual Will documents that day. We signed in at the bank for notary. Bank is saying 2 documents are fine and show we were there but 3rd one done on same day at same time does not. They got an affidavit from the notary showing I was present and also an affidavit showing my Grandmother was present for the signing. Now they want me to go in person to bank in FL to add it knowing that I can't. I need to get the last 5 years of statements for my Grandmother for Medicaid application. She has started bouncing checks. She needs help. A medicaid advocate went to the XXXX home and tried to help my Grandmother call Wells Fargo to access accounts today. She had trouble following the conversation and verifying data to get access to her own account. When the advocate tried to help her Wells Fargo told the advocate she can not help her. My grandmother 's online access is also gone. She has no real idea what is going on with her accounts. And to top it off upon getting a few bits of information she realized that her account balance is much lower than it should be. Her caretaker was joint on that account and has now disappeared isn't answering calls etc. Trying to figure out how to help my Grandma as POA but Wells Fargo keeps blocking everything I do to try to help her.
Product: Credit reporting

I have contacted XXXX after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep there was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquiries which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card

I file this complaint to request that certain remarks be removed from the comment section of my XXXX Capital One accounts on my XXXX credit report. I have attached my XXXX credit report, which is dated today, XX/XX/year>. On page XXXX of the credit report, the comments section states [ a ] ccount previously in dispute - investigation complete, reported by data furnisher. On page XXXX of the report, the comments section states [ a ] ccount closed at consumer 's request and dispute investigation completed, consumer disagrees. I would like to request that both of these comments be removed. My ID is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified of a hard inquiry on my credit report from XXXX XXXX XXXX that I did not initiate. I called Experian and notified them of this on XX/XX/2022. Experian placed a Fraud Alert on my account. I have also called XXXX XXXX XXXX  to let them know that this was not me and to make sure that the credit card account is not opened.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

Bank of America just last week, without warning, closed all XXXX of my credit card accounts with them. I just got the letters on the weekend, they were all identical and all dated XX/XX/2016. There was no apparent reason for the closure other than my having actually USED the accounts, you know, as in, I dared to actually use the amount of credit they had already assigned and granted to me! -- and another reason cited was " the state of the overall economy. '' As a result of closing absolutely everything, when I asked again today to have a NSF fee reversed as the payment had been made a month ago from a different account, not XXXX which got me in trouble with this payment when they closed my line of credit without telling me and without a reason. So in speaking to Bank of AMerica today, I was told first that the agent " could n't understand why it would not reverse '', and then she said " oh, the reason it wo n't allow me to reverse it is because the account is closed. '' So I told her that I had originally requested that the {$26.00} fee be reversed on XX/XX/2016, in other words more than a month ago when I had made the {$76.00} payment from my other bank ( XXXX ) account -- -and when my XXXX Bank of America accounts were all open. Apparently the request was forgotten, lost, pigeon-holed, or denied without telling me, because it was never reversed. I just got my credit card statement yesterday and in looking for that reversal I noticed that there was no reversal of the {$26.00} fee as I had requested, so I called to get that fee reversed today and that is when I was told that NOW it " could NOT BE REVERSED because the account was closed. ''