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

I previously requested Reinvestigation be done on these accounts because it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both Opened and Closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX  Account # XXXX, XXXX, Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Product: Debt collection

I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.
Product: Debt collection

To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX XXXX XXXX that were sent out are as follows : dispute letter XXXX -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter XXXX -- no response letter mailed XX/XX/XXXX after over XXXX days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after XXXX days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Debt collection

I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.
Product: Mortgage

I applied to refinance my FHA loan into Conventional loan with my current mortgage servicer, Freedom Mortgage. I was able to find a better deal elsewhere. I explained this to my loan officer. I then received a call on XX/XX/2020 from a woman at Fredom Mortgage asking when I was going to make my payment. I had never received a call like this. I stated that I would be making the payment before it's due date. On XX/XX/2020 I received a letter stating I was being placed on a repayment plan as of XX/XX/2020. I had already made my payment, this is being done to prevent me from refinancing my home with another servicer.
Product: Debt collection

I have been a victim of identity theft for 5 years now. I have such a hard understanding what is going on with my credit. It is so unfair when somebody just takes your information and uses it for their purpose. I owe XXXX dollars to creditors that I never heard of. I now ca n't get school loans, personal loans, payday advances or credit cards. It truly has put a damper in my life. I also have problems with my divorce because my husband and his family have XXXX me up using my name. I used to love my life but now I hate it and feel so alone. I have n't opened up anything since my car loan from XXXX XXXX. But credit reports are saying something different and now my whole life is altered and I 'm very unhappy because I ca n't fix it and I 'm having such a hard time disputing these errors
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 or other personal consumer reports

I apply for a loan. The loan was approved. Two years later they tell me thats its a line of credit. I never applied for a line of credit applied for a loan. I have asked the company several times to fix this error. I have also contacted XXXX about this and made a report, I have not heard anything else about this investigation so I am reporting this for further investigation thank you
Product: Checking or savings account

I received an offer from Wells Fargo Bank for a {$500.00} bonus for opening a checking account. I opened the checking account on XX/XX/XXXX. I opened the account at the Main Branch in XXXX TN. 

The requirements were to deposit {$2000.00} within 60 days of opening the account. I had deposited over {$2000.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service to inquire about the bonus. I spoke with XXXX. He informed me to visit the branch I opened the account with. On XX/XX/XXXX, I went into the branch and spoke with XXXX. She informed me that the promo code was not applied to my account and would be credited by XX/XX/XXXX. I waited until XX/XX/XXXX, and when I inquired about the bonus I was told that there was a system error and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I inquired and I was told the money would be credited to my account by XX/XX/XXXX. 


It is now XX/XX/XXXX and I have not received any credit. Wells Fargo acknowledges I am entitled to the bonus, but they keep delaying it further and further. When I inquired about it today, I was told to wait until XX/XX/XXXX.
Product: Checking or savings account

repetitive Baseless phone calls and Delay tactic letters. No form or sense of a resolution. 
This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. 

Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Unaddressed Past Issue : Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. 

Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. 
Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit alert regarding a Hard Inquiry that I did not request ( Ginny 's XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with XXXX. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called XXXX and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Product: Checking or savings account

In viewing my monthly TD Bank statement, I noticed a posting ( XX/XX/XXXX ) of {$900.00} that I wasn't aware of. I called customer service immediately and disputed this transaction. The rep. was helpful to what steps I need to take in which I would need to file a claim. I went to my TD Bank and spoke with XXXX XXXX ( XX/XX/XXXX ) about the problem and began to do the paperwork submitting the fraud claim. XXXX XXXX mentioned to me that the funds would take a few business days and it needed to be posted first, in order to receive the credit. amount. On XX/XX/XXXX, I received a letter from TD Bank stating due to their findings that I ( XXXX XXXX ) authorized, benefitted, consented from this transaction, and I was denied and if my account was credited it will be reversed on ( XX/XX/XXXX ). On ( XX/XX/XXXX ) again, I spoke with TD Bank rep. and this time the rep. said to call XXXX XXXX in which I did and spoke with XXXX XXXX in the fraud dept. She traced the name to a XXXX XXXX in XXXX. I ask her for documentation so I can give TD Bank. On XX/XX/XXXX I followed up on my claim XXXX XXXX and spoke to XXXX XXXX. As our conversation continued he explained to me what steps I needed take. He suggested that I should file a claim with the following agencies : FTC and XXXX. That I did. On ( XX/XX/XXXX ) I went back to TD Bank with all of my paperwork and did meet with the bank VP/Manager XXXX XXXX XXXX XXXX Paperwork included : Letter to TD Bank Corp Headquarters, FTC filing and IC3. On ( XX/XX/XXXX ) received from TD Bank Branch, South Carolina, spoke to XXXX XXXX and I notified her that will be filing a new claim. She said it probably get denied again, but I can try. The new case # XXXX. The old case # XXXX. The XXXX XXXX case # XXXX. As of XX/XX/XXXX, received 2nd letter stating they denied my claim, TD Bank said, they have my name and address and telephone regarding this transaction, I said, what about my mother maiden name for proof and my father 's or my dog. Scammers can get your name, address and telephone off the website.
Product: Money transfer, virtual currency, or money service

In XXXX, my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. 

I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. 



I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.
Product: Debt collection

DIVERSIFIED CONSULTANTS INC has place a trade-line on my credit report. XXXX was the original creditor, and there was a dispute already placed with XXXX. XXXX reported to me that they closed this account with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card is locked so Im receiving alerts when people try to get money or use my credit. My cards are being replaced with prepaid ones so that a fraudulent person can use my account to get lower mortgages and vehicles. It leaves me in a bind and every time I go to use my hard earned money and credit I can not because of lazy pathetic fraudulent individuals want what I have. Someone is receiving Benifits, loans, also commuting felonys using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my XXXX  and transunion REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter
Product: Mortgage

My home was seized and set for Sheriff 's Sale on XX/XX/20 at XXXX XXXX at which time it was purchased and title was transferred. 

About 5 months prior to that time, I had begun communication with loan servicer about doing a deed in lieu to make the whole process easier and less costly for them. 

During this 5-month period, I had moved out of the home but still had access to it. 

When I moved out, I left a lot of items both in the attic and ground floor which I intended to either sell or donate to XXXX XXXX. Instead I was able to get two friends to live in there temporarily ( until I told them it was time to move ), who attended to the items in the attic and ground floor which were considerable and left quite a mess behind to clean up. So, ( 1 ) they removed the items and cleaned the house to " broom clean '' which is what the loan servicer kept saying it needed to be to qualify for the deed in lieu program.

Then, in continuance of my effort to work with the loan servicer, ( 2 ) I let inside the house their appraiser so he could get a good look at the place and a very accurate appraisal amount which would not have otherwise been available to them. 

Which, in the end, served to give them info they would not have otherwise had were I not working with them. 

Next, a title review came back saying there was a single lien on the house. This was inaccurate since the lien noted had been dismissed in a previous bankruptcy I had filed. So, in my continuing helpful efforts towards a deed in lieu ( 3 ) I drove 60 miles roundtrip to go to the US Bankruptcy Court and get a certified copy of the judgment releasing that lien ( {$23.00} ). Then, drove to the local parish court and filed in the mortgage records and cancelled the lien for the loan servicer ( {$75.00} ) in the furtherance of my efforts to facilitate the deed in lieu plus {$3000.00} to {$6000.00} I was told I would qualify for if we did, in fact, do the deed in lieu. 

Finally, the Friday before the sheriff 's sale and after I had been running errands and helping the servicer with clearing title, getting an accurate valuation of the home and having the house spic and span, I was advised that the deed in lieu was rejected. 

My objection to this is not necessarily the fact that I laid all the info they needed on a silver platter for the servicer to make the best, informed decision about their bottom line on this property if they were to go with the deed in lieu vs the Sheriff 's Sale. If I had not spoon-fed all the information they could eat to them, they would not have had this info and would most probably have gone with the deed in lieu or at least given it a closer look. My objection is that they didn't even have the decency to offer me recompense for my time and efforts. 

In effect, they used me and my information and gave me zero for my efforts. I feel I should at least be reimbursed for my efforts and costs and that is what I am filing this complaint about.
Product: Debt collection

ask for validation proof i owe this, not just using my info from other accounts, i disputed this account and it was remove already from in acturate info, and sold for the 3rd, plz remove no
Product: Credit card

I returned an item I had purchased at XXXX, who issued a refund to my credit card on XXXX XXXX, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, " glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated XXXX XXXX, 2015 stating that the credit was applied to my account on XXXX XXXX, 2015. This simply is not true. I have gotten nowhere with their customer " service ''. This past Monday, XXXX XXXX, I was assured by someone named " XXXX '' in the disputes dept that the credit would be posted to my account " within the next 24-48 hours ''. He gave me what he said was a direct line to him and a call-back number. I called that number today and it " is not a working number, or has been disconnected ''. I could write you a book on all the reps I 've spoken to and the shameful runaround I 've been given, but suffice it to say that they have had possession of {$960.00} of my money since XXXX XXXX and I see little hope of getting it back in dealing with them directly. This is the worst customer " service '' experience I 've ever had. I 'm XXXX years old, and certainly I 've had many of these occasions.
Product: Student loan

They come out with lower numbers only when I can't make payments when from XXXX to {$580.00} to {$300.00} a month