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

Between yesterday and the day prior, I transferred more than {$370.00} dollars into my Wells Fargo account. Plus the {$370.00} I already had in the account. Wells Fargo claimed I did not have enough money in my account despite showing an ending day balance of {$230.00}. I have screen shots of Wells Fargo taking the {$70.00} payment into my account, of which {$70.00} was transferred into my account before AND after just to make sure. There was plenty of money in the account and Wells Fargo took the money out. Then today, I got an email from Wells Fargo saying they sent the money back for insufficient funds. Where is that money going? And why are they claiming I did not have the money in the account when I clearly did and they took the money out. I sat on hold for more than XXXX minutes and then the Wells Fargo agent came back he disconnected the call. A pattern. And the same type of harassing and illegal conduct they have gotten in trouble from this agency and the federal government in the past. The item attached shows they withdrew the {$70.00} in my account and it brought my balance to {$6.00}, however, they still took the money out clearly. If they are going to take money out of my for XXXX XXXX XXXX, they need to pay XXXX XXXX XXXX like I authorized. Not use it for something else for their benefit at the time and then claim I don't have enough the next day when they had already withdrawn it from my account and I had sufficient funds at the time.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX According to the Fair Credit Reporting Act 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the covered period.
Product: Credit reporting or other personal consumer reports

On XXXX, I received a letter from my doctor 's office informing me that I was in a data breach. I tried to contact Experian to lock my credit down and place a fraud alert with them but their IVR system refused to transfer me to a real person so I can explain the situation. I CALLED OVER 7 TIMES AND THEIR AUTOMATED SYSTEM WAS LIKE " I can only transfer you under special circumstances '' AND HUNG UP ON ME! If I want to speak to someone, TRANSFER ME TO A PERSON. DO NOT TELL ME YOU CAN'T TRANSFER ME AND THEN HANG UP! My parents were victims of identity fraud and had to go through the same things as I did. Call Experian, go through their IVR, get hung up on, etc. At no point was I able to lock my Experian report down since I could not get ahold of anyone to do so. Keep in mind I called at XXXX XXXX  on a MONDAY, NOT XXXX XXXX  ON A FRIDAY! If a company is going to have a phone number to call, expect people to want to talk to an actual peson, NOT A FREAKING ROBOT THAT WON'T UNDERSTAND THICK DIALECTS OR ACCENTS! I also tried to get a credit report from XXXX for Experian but for " some reason '' that specific report had " technical issues '' and " your request could not be handled '' exceptions. This happened every time I tried to access that website. Does not matter if I used a different browser, XXXX XXXX ( XXXX ) mode, cleared cache and cookies or anything else. It even didn't work trying a COMPLETELY DIFFERENT DEVICE ALTOGETHER! All the same results.
Product: Credit reporting or other personal consumer reports

I have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX XXXX XXXX XXXX XXXXXXXX, along with another account XXXX XXXX XXXX XXXX is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within 4 business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. 
I am looking forward to your swift reply, thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, 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 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  on XX/XX/XXXX under the account number XXXX, an auto loan account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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. 

List of inquires 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 

Remove following addresses : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Money transfer, virtual currency, or money service

I am a US Service Member moving back to the states and found a listing for XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on several real estates websites and XXXX. XXXX XXXX XXXX contacted me over email and XXXX and I signed a lease agreement and paid the first months rent and security deposit of {$3500.00}. This morning I was contacted to pay for homeowner association fees and I found a listing for the actual property manager of XXXX XXXX XXXX XXXX. They said that the unit is not available and already has tenants as well as XXXX XXXX XXXX doesn't work for them. Below is XXXX XXXX XXXX contact information. 

Property Management : Show rentals property My Telephone Number : ( XXXX ) XXXX ( text preferred ) Business XXXX Line : ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX License ID : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spotted mistakes on my credit report regarding 15 USC 16c-2. The inquiries present were not authorized by me, and this incorrect data is affecting my credit negatively. Please remove all unauthorized hard inquiries. Thank you!
Product: Checking or savings account

Deposited 2 checks, totalling XXXX on XX/XX/2023. The checks were from the same bank. They immediately placed a hold on the checks, without informing me at a branch location. I called the business number, for them to tell me, I need to call back the following XXXX XXXX, and they would release the hold and the funds. I informed them I have payroll due on XXXX XXXXXX/XX/XXXX. And they said it shouldnt be a problem. I called back on XXXX XXXXXX/XX/XXXX, for them to tell me there shouldnt have been a hold, and the supervisor filed a complaint, but informed me the funds would not be released until XXXX XXXXXX/XX/XXXX. I was told to write bad checks so I dont lose the laborers. I lost XXXX laborers due to not being able to pay them on time. I called back XXXX XXXXXX/XX/2023, they finally released the hold. And told me to call back on XXXX XXXXXX/XX/2023, the funds should be released and available on XXXX XXXXXX/XX/2023, and I called today XX/XX/2023, for them to tell me the funds would not be released until XXXX XXXX. As of XXXX XXXX funds are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VERY CONCERNED AT THE FACT THAT EXPERIAN NOR XXXX HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE IMMEDIATELY.
Product: Checking or savings account

On XX/XX/2023, I did an ACH transfer from my XXXX into my USAA account. USAA put the {$700.00} on hold without explanation or warning. This is not acceptable as pay my bills on time and need this money. I need USAA to refund any fees that are incurred as this situation was not created by me.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XXXX XXXX XXXX I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 Balance : {$17000.00}
Product: Mortgage

My mortgage was taken out on my home almost 7 years ago. Since my mortgage, I have made my monthly payment on time, every month. That is almost 80 months in a row of on time payment. My previous servicer, XXXX, required me to maintain a reasonable escrow amount. In XXXX, New Rez purchased the servicing rights to my mortgage. After 6 years, they arbitrarily decided that I am required to keep 1/6 of my anticipated annual escrow payments. This is not a minimum cited in the Texas statutes, but a figure that the escrow balance " can be up to 1/6 ''. To be clear, this is the maximum they can maintain, not the " required '' amount. NewRez for the second year in a row since purchasing the servicing rights, is jacking up my escrow amount to the maximum, even though their own escrow analysis indicates that at no point did my balance go below {$1100.00} in reserve in the previous year and it is projected to be no less that almost {$800.00} in the next 14 months. The " required amount '' they claim is not a legal nor regulatory requirement. 
Additionally, after complaining twice to the CFPB about NewRez 's escrow practice, and the Texas Attorney General 's office, NewRez sent me an escrow refund of over {$150.00} last year. If my balance contained enough of a cushion that they refunded me money in XXXX, why are they jacking up my escrow requirement to the maximum again. I implore the CFPB to open an investigation into NewRez. They have abusive mortgage servicing practices that cause real consumer harm. They purchase servicing rights to mortgages, like mine, then immediately required unreasonable and unnecessary escrow balances of these new customers.
Product: Mortgage

Our escrow payments went up to over XXXX per month at the beginning of the year. This is in addition to the XXXX increase from 2023. Upon contacting my tax assessor she informed me that taxes did not go up, they went down. I contact the bank because I have lived in my house over 23 years and never had such a sustainably increase and have always been in good standing with our escrow account.
Product: Money transfer, virtual currency, or money service

Hi, Unfortunately, I was scammed out of {$500.00}. I tried to purchase a teacup french bulldog from XXXX. I submitted a form on the website to see if the puppy was still available and to contact me by email or phone if still available. I was contacted by email and text back letting me know the puppy was available and instructions. I was asked to XXXX the deposit to {$870.00} to XXXX for XXXX XXXX and to note XXXX the dogs name. Everything was going fine I even received confirmation on shipping Booking reference Number : XXXX Website Track Link : XXXX : XXXX Then I received another email saying now {$1200.00} because needs a different crate due to Covid and asked from money from XXXX XXXX XXXX This is when I became suspicious and inquired through the breeder why I was being asked for this and through XXXX XXXX to top it off. The number I was texting with was XXXX. The person started to make it seem like I shouldn't be questioning them and said they were going to cancel the order and refund. When I called the number it was disconnected.

I contacted my bank to report but Wells Fargo said unfortunately the XXXX transfer for {$500.00} was completed and the only thing they could do is report as fraud so I did that. I also reported this through the federal trade commission, Report number : XXXX. 

The website is still up XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$480.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX more than once. They say I owe a pass due balance of {$1300.00} when they garnish my check from XXXX XXXX for it The last garnish was on XX/XX/XXXX and it's still on my credit report. 


For Credence RESOURCE MANAGEMENT they are on my report and I turned in direct TV equipment back in XXXX ant the XXXX in XXXXXXXX XXXX XXXX XXXX XXXX. They were also on my report XXXX XXXX years ago for the same exact thing. Once the equipment was turned in it came off. Now all of a sudden it's back and I haven't had any dealing with them since XXXX. The serials number from my equipment should be in their system so not sure why they reporting it wasn't turned in.
Product: Mortgage

I applied for a mortgage loan with XXXX XXXX XXXX through TJC Mortgage, Inc. back in XX/XX/2018 with Pre-Approval letter date on XX/XX/2018. My realtor got a Binding Contract on a property on XX/XX/2018 with contingency period on XX/XX/2018 and closing date on XX/XX/2018. All this information was emailed and received by XXXX on XX/XX/2018, so he was aware of the dates and the Earnest Money amount. On that same week, I gave the Earnest Money check to the seller for {$1800.00}. On the XXXX, he sent me the Loan Application and I e-signed it. The home got inspected on the XXXX as well for {$390.00}. Then he emailed me an Appraisal Payment Form from TJC Mortgage for {$470.00} on the XXXX, and I paid it. On the XXXX, XXXX sent me an email requesting additional documentation to finish up preparing the file for underwriting. I immediately sent him everything that he requested. I noticed he was already struggling with his underwriting team to get a final approval because part of my income is based on commission. Something I had initially discussed with him. Completely unaware of the Contingency Date ( XX/XX/2018 ),  XXXX started to ask for different documents to get a final approval from his underwriting on XX/XX/2018. Instead of given me a final decision on the Mortgage Loan before the  Contingency Date so I could at least get my earnest money check back, he went on trying different things to get it approved until finally deciding they could not get me approved on XX/XX/2018, only 3 days before the closing date ( XX/XX/2018 ). At that point I had already spent {$2700.00} and could not get the earnest money back from the seller. I was very disappointed and tried to get in contact with XXXX a few times to see if he could at least reimburse me for some of the expenses, but he ignored my emails and calls. He was extremely negligent in not getting things done on time, and not being upfront with me since the beginning. Besides losing {$2700.00}, I also had to pay a fee to stay at my current apartment and ended up spending on other extra expenses as well because of his negligence and irresponsibility. It was the worst experience possible trying to purchase my first home. What kind of Mortgage company gives you a final approval decision on a loan only 3 days before the closing date? I hope this complaint helps other people thinking about doing business with XXXX XXXX and TJC Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with 8 accounts and inquiries that are fraudulent and I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries 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 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: Mortgage

I have been attempting to close a refinance on XXXX XXXX XXXX XXXX XXXX OR XXXX and there are XXXX erroneous liens showing on the title work from Fay servicing LLC/XXXX  ( past servicer was XXXX  ). They agree they are erroneous liens yet have not cleared them off of title work. It has been 9 weeks. It seems they do not know how. I call daily, and nothing happens. I have active and current loans with XXXX that are attatched to other properties yet not attatched to above property I need cleared. Please help. Interest rates have already risen since their delays. This is costing me huge money. Please help us!!!! 
XXXX XXXX XXXX or XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a One Main Financial customer and I am a victim of their deceptive sale practices. These option products are on my current loan as well as the previous loan in which I paid off. I was told each time that I would not be able to receive the loan unless I add the options products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.