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

Last year, I had a checking account with Wells Fargo Bank, and I was provided a check from a client, who i had listed a property for. I proceeded to use the mobile deposit, and waited for the check to clear. The client was ALSO a Wells Fargo client and the check provided was a Wells Fargo Check, a few days later, i come to discover my account is in a negative {$1500.00} balance. I saw online that the checked was returned and I immediately thought it was due to lack of funds from the check writer, when in fact it was simply because I had not ENDORSED the check. I went and told the check writer the scenario and he assured me that he did have the funds and proceeded to give me another check. He advised me to deposit the checks, and whichever one will go through will be the one credited, and IF both checks are credit, i would simply return the additional money from the additional check back to him. Wells Fargo, then credited the checks, then immediately withdrew the whole amount AGAIN and told me that they were going to close my account FOR FORGERY. I went into a branch, spoke with a representative on the phone for over 2 hours with a live rep in the XXXX branch, where they even had a CALL WITH THE CHECKWRITER HIMSELF to confirm he in fact wrote both checks, and he confirmed it on the speaker phone and conference call while i was sitting at the branch. They corrected my balance and said everything was fine and I even got the letter in the mail in XXXX well after they had advised me they were closing my account for fraud / forgery. Wells Fargo then accused me of FRAUD AND CHECK CASHING FRAUD AGAIN for the second time, after i spent all that time with them at the branch and after they had concluded the matter, I have now multiple warnings and derogatory information on my credit and depository profile, from XXXX  and XXXX XXXX for these erroneous and unbacked claims that ive conducted fraud. I cant open a checking account anywhere after having a checking account and multiple accounts, with multiple financial institutions. I have to pay exorbitant fees now to cash my checks and pay fees for transfers to XXXX and whatever means I'm able to get some form of banking. I suspect that this was highly discriminatory due to the spelling of my last name, ending in a XXXX thus allowing bank officials to make premature biases of criminal and fraudulent activities, due to me being an XXXX  American, and Id like a full investigation into this matter
Product: Checking or savings account

On Tuesday XX/XX/XXXX I stopped at Bank of America to withdraw money at the drive through ATM. I tried to withdraw {$300.00} but did not retrieve it from the ATM machine. The lid on the machine did not open for me to retrieve the money so I assumed it was stuck. I checked my bank account and saw that it was debited the {$300.00} so I pulled around and went inside the bank to see if I could get the it there instead, but the lady I spoke with told me to call the number on the back of the card and file a claim. The next morning on the XXXX I called and submitted a claim and they told me to wait 30 days to get a response, but I received a letter in the mail from Bank of America dated the next day XX/XX/XXXX, that they closed my claim due to suspected fraud. I was tolled that they needed to look at the security footage and audit the machine, but I assume that they never tried to look into my situation in the first place if they were able to make a decision that fast. Its been over 30 days and I haven't received anymore information regarding my claim. So I would like to have this claim re-investigated so that I can get my money back.
Product: Credit card

I have an account reported on my credit profile reported which I have no idea what it is JPMCB Card XXXX. This account is showing as a charge off. I have called JPMCB to ask about this and they tell me I don't have any outstanding accounts, on my Chase app I don't show any such account. I don't know what this is about and it is greatly impacted.
Product: Debt collection

For the past month I have been getting calls from all different numbers, but it 's always the same recording when I answer. They are claiming to be from Apex Resolution Group and stating that I am a person of interest and a lawsuit has been filed against me and to return their call asap. I called back several times, only to get a generic voicemail. I called back a different number yesterday ( one of the many that continuously call me ) and a man asnswered. He claims I owe over XXXX to XXXX and I 'm being sued. I did n't give any personal information because he already had it. My married name, my social, everything. That is startling. I know I had a debt with XXXX but it was settled and that was 9 years ago. So I told him this did n't sound right and he got angry and snarky with me saying he was sending someone to my job to serve me papers. When I told him I do n't work there anymore, he got even angrier and said he would send someone there anyways just to make sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

BETWEEN XXXX AND XXXX I HAD ACCOUNT WITH WELLS FARGO I LOST MY ACCOUNT I WAS NOT TREATED RIGHT AFTER SPEAKING WITH SEVERAL MANAGERS. 

I FEEL I AM OWED MONIES
Product: Checking or savings account

I disputed a total of 18 fraudulent transactions on my account on XX/XX/XXXX totaling XXXX, claim number is XXXX. During the initial reporting process on the XXXX, I attempted to send the police report I filed for these charges. I was also forthcoming about what the police department said ; they said it may be skimming because it happening in the area. I let them know I don't have the card at all, and they said it sounds like fraud. Still, the rep insisted they did not need the police report or any documentation. I called on the XXXX of XXXX to check on my account and why my funds were not available after FRAUDULENT charges occurred. I did not authorize anyone to use my card nor give anyone my pin number. They told me I would have my money back by the XXXX of XXXX but when I called today on the XXXX, I was told my claim was denied. 

I have no idea how it can be denied. I told them it is fraud, I did not give anyone permission to use my card. They asked for 'more information ' to do a second review but was not specific on what the more information was. The rep then requested I do another police report. I then told him to document I will be sending in the new police report, a copy of my CFPB report, FTC report and my letter of demand which is my intent to sue if they do not give my money back. 

According to the website it states : My contactless Capital One Debit XXXX comes with {$0.00} Fraud Liability, so you won't be responsible for unauthorized purchases if your debit card is lost or stole. This has not been upheld which is a violation of my rights as a consumer.
Product: Vehicle loan or lease

On XXXX XXXX KIA motors finance in error claimed that it did not receive the payment of {$420.00} that was made XX/XX/2018. Also the payment made on XX/XX/2018 although funds were deducted from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO A NFCU CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. NFCU HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This company is trying to collect money on an account that is not mine, therefor I'm requesting a full validation of this debt and send me physical proof of this, since I have not knowledge of this debt, in accordance with Fair Debt collection practices act, section 1692g.PleasXXXX provide : A. the original application or contract. 
B.Any annd all statements allegedly related. 
C.Any and all sign receipts. 
D.Any and all cancelled checks. 
Under the law you have 30 days to supply this proof. 
In addition, do not contact me via phone. From now on, we will comunicate through mail and CFPB. 

Sincerely : XXXX XXXX
Product: Credit reporting 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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 called Capital One XXXX  in order to have the two credit checks placed on my credit report removed. I was hung up on one time after being on hold for 25 mins. I called back to try and get the issue resolved and am still on hold. Recently my birth certificate was VA letter contain my SSN were stolen form my mailbox. I have made a police report and made a case with the FTC and FBI. Someone fraudulently had my credit report checked on XX/XX/XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted the company XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Product: Credit reporting or other personal consumer reports

Background check driving record a ticket has been paid and case closed years ago still affecting my background check I want to dispute it off
Product: Credit reporting

My Ch. XXXX bankruptcy was supposed to be removed XX/XX/XXXX. In fact, both credit agencies ; Transunion, XXXX, and XXXX confirm my discharge date of XX/XX/XXXX and wrote stating this should be removed from my credit report XX/XX/XXXX yet neither have removed it. I 've also written your agency about this without to date remedy. I 'm unclear why this has n't been corrected by you. Again, I 'm attaching documentation as such and would very much like my full report reviewed and prompt action against Transunion and XXXX and XXXX. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

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

For years I have been trying to get my personal information corrected with this Equifax. I have sent serveral requests and notices to Equifax to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged.

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations.

XXXX did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Former : XXXX  XXXX Employers : XXXX  Employers : XXXX  XXXX  Collection/Charge Off XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$6700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} Late Payment XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX
Product: Mortgage

THE INJURY : Ocwen Loan Servicing , LLC ( OCWEN ) services my personal mortgage. OCWEN ( formerly GMAC Mortgage ) has serviced my mortgage since Origination in XXXX XXXX. 
In XXXX and early XXXX XXXX, I contacted the XXXX Credit Bureaus respectively regarding OCWEN 's incorrect trade line data. 
OCWEN is reporting XXXX MORTGAGES - I only have XXXX Mortgage ; which has never been transferred. 
OCWEN is reporting the Mortgage as CLOSED as of XXXX XXXX. 
OCWEN is reporting payments through XXXX XXXX - yet the Account shows CLOSED. 
Several Disputes and Reinvestigations were filed. The Updated Information did not change the Account status to OPEN. 

As of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus. 

On XXXX XXXX, XXXX I sent the Credit Bureaus the Verification of Mortgage and Credit History Letter I printed from OCWEN 's Customer site. 
On XXXX XXXX, XXXX I contacted OCWEN directly via phone to the Ombudsman 's Office requesting help to resolve the Credit Reporting Error that was still occurring. 
I was instructed to send a written request, which included copies from each Credit Bureau showing the OCWEN Account trade line. 

On XXXX XXXX, XXXX, I received written notification from OCWEN that " XXXX XXXX # XXXX was submitted to the credit-reporting agencies to report the line of credit as open ... It could take XXXX days for the bureaus to update their systems ''. 
On XXXX XXXX, XXXX I forwarded OCWEN 's letter with the AUD # to the Credit Bureaus. 
On XXXX XXXX, XXXX I contacted OCWEN notifying them the error was not corrected and I was still being impacted by the error as I was unsuccessful in refinancing my home because of the error ; nor would OCWEN refinance me. 
I stated that I felt " trapped by OCWEN ; because [ OCWEN ] wo n't refinance me ; and is telling everyone else I do n't have a mortgage to refinance ''. 
The corporate analyst I spoke with told me OCWEN had completed its ' obligation to correct the error as the XXXX '' was sent to correct. 

THE INSULT : The Credit Bureaus updated the OCWEN account to show 30 days past due based on updates received the week of XXXX XXXX. 
How is it that OCWEN can expeditiously communicate a late payment within 30 days ; yet has been unable to show my mortgage as an OPEN account after 60+ days and at least a XXXX attempts. 

I am unable to refinance my home because of the reporting errors caused by OCWEN. 
The Mortgage Account shows Closed - Negative Impact on FICO & BEACON score The Mortgage Account shown as XXXX Accounts- Negative Impact on FICO & BEACON score. 
The Date Open is incorrect as XXXX rather than XXXX - Negative Impact on FICO & BEACON scoreAs of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus. 

I need assistance to either get OCWEN/Credit Bureaus to report the information correctly ; or assistance in having the Credit Bureaus remove the incorrect information which is severely damaging any opportunity to refinance my home. 
I have attached copies of the request sent to OCWEN on XXXX XXXX ; which included copies of the OCWEN account from each Credit Bureau.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT # XXXX I have no clue about this account and did not receive any notification before placed on my credit report. Please provide certified mail with my signature if you believe notification was provided.