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

Submitted request to open checking account on Wells Fargo online banking site. Was approved, provided an account number, a savings account number, set up a PIN for my new debit card. word of mouth from coworkers direct deposit payday checks deposited at least 1-2 days sooner. Friday, XX/XX/XXXX I was in process of depositing my opening funds to Wells Fargo account I received email that both my checking and savings accounts would be closed XX/XX/XXXX. Made phone calls to find out why based on information from a third party company, XXXX XXXX, I had an account back in XXXX Wells Fargo closed XXXX due to inactivity, therefore I would NEVER be able to open an account with Wells Fargo in my lifetime. This was 4-5 days AFTER my account had been APPROVED and WELCOMEd. I received my Wells Fargo debit card in the mail today. Wells Fargo should HONOR and standby whatever parameters they have for their online applicants. I had already set up my direct deposit and was preparing to change my social security check. I am not happy with my current bank. 
Everything that occurred back in XXXX was related to an estate battle with siblings after my mother passed away, my XXXX XXXX diagnosis then divorce. I am trying to get my life together. 
So I dont think Wells Fargo XXXX XXXX days AFTER being approved and welcomed to all of a sudden rock everything I am trying to accomplish. 
I want them to stand by their approved status for my checking and savings account and treat me like a valued customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has used my credit improperly. After reviewing my credit, they have reported 2 late payments. First, late payment was reported in XX/XX/2022 and XX/XX/2022. 


In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX 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 instruction.
Product: Credit card

On XXXX/XXXX/2015 my sister initiated a credit card payment through XXXX XXXX XXXX online bill payment system to L.L. Bean Visa ( Barclay Bank USA ). The original credit card balance due was {$4700.00}. The amount entered by my sister ( in error ) was {$47000.00}, an over payment of {$42000.00}. 

I uncovered the over payment on XXXX/XXXX/2015 and as an authorized user on both accounts, immediately called both banks. Barclay Bank US informed us that they would return the original payment of {$47000.00} by issuing an online payment back to XXXX XXXX XXXX. They additionally instructed me to make another online payment for the original amount owed ( {$4700.00} ) before the statement due date of XXXX XXXX to avoid interest charges and late fees, which my sister did on XXXX/XXXX/2015. We were told by Barclays Bank US that it would take a week to 10 days for the original payment of {$47000.00} to be returned to XXXX XXXX XXXX numbers were assigned by both banks to our issue On XXXX/XXXX/15, after confirming with XXXX XXXX that no refund had been received from Barclay Bank, I contacted Barclay Bank XXXX again and re-explained what had transpired to date. I was given no explanation why nothing had happened yet on our case, was issued a new case number and told the the original payment of {$47000.00} would be returned to XXXX XXXX within 2 days. 

On XXXX/XXXX/2015 after receiving no payment from Barclay Bank USA, I contacted Barclay bank again, was told that the case number assigned to the call I made on XXXX/XXXX/15 had been closed because Barclay Bank USA was unable to issue a refund to XXXX XXXX XXXX because the original payment had been made through a " XXXX party ''. I asked why they did not inform me of this and got no answer. I questioned who the " 3rd Party '' was and they could not tell me. I got the agent from Barclay Bank USA to conference in XXXX XXXX XXXX online payment department, and the agent from XXXX XXXX confirmed that they use a " 3rd Party '' to process their transactions and recommended that Barclay Bank USA just issue us a manual check for the credit balance on our account, which the Barclay agent agreed to do. I was told by the Barclay Bank agent that this would be done within the next 24 hours and that it would take a week to 10 days for us to receive the check by US mail. She also mentioned that we could monitor our account online and that when we saw our credit balance return to XXXX, we 'd know the transaction had processed. She also assigned a new case number to the transaction. 

On XXXX/XXXX/2015 after seeing no change in our Barclay Bank Credit balance, I called Barclay bank again, went through the whole history again, was told that I 'd get a call back that day by a manager, which never occurred. I repeated the same process on XXXX/XXXX/15 and XXXX/XXXX/15, was given no feedback on the status of our case and told a manger would give me a call back, which has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a auto loan taken out in 2015 with XXXX XXXX Bank.Its reporting a incorrect error on my experian credit report.I have tried to dispute this with Experian but there were no results.This auto loan has been charged off, and closed. This auto loan is showing a balance of XXXX in my name using my social security number.I have no knowledge of this loan taken out in my name
Product: Vehicle loan or lease

Sent Letter to CFO of Navy Federal credit Union. I sought to pay off using the coupon. A Negotiable instrument and they refused. It but never sent the coupon back to me. Also sent a 1099A for complete payoff. Nothing heard. 
IRS RECEIPT XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/, 2019 : I received {$400.00} payday loan from www.zocaloans.com XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : I called and asked the receptionist to take the entire amount. She stated the amount would be {$490.00}. I told her I already paid {$370.00}. The contract stated my payment will reduce if paid in full. 
XX/XX/XXXX : Zoca withdrew {$120.00} Instead of taken the full amount.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies in certain pieces of information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are obligated to authenticate these accounts. They are not permitted to designate unverified information without furnishing evidence within the legally stipulated timeframe. The following accounts, which require investigation and rectification due to erroneous reporting in my file, are outlined in my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies. 

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXX XXXX  XXXX  that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from EXPERIAN that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA
Product: Mortgage

On XX/XX/2023 I requested that my property tax escrow be closed so I can pay my taxes directly. 

On XX/XX/2023 I spoke with XXXX who said that the refund needed a few days to be processed. 

On XX/XX/2023 I spoke with XXXX who told me that the check had been processed and mailed. 

On XX/XX/2023 I called to ask where the check was and spoke with XXXX who said that the escrow analysis had not begun and it would be 7-10 days for them to even recalculate how much money is owed me, then they can mail the check after that. 

This means that XXXX did not tell me the truth on XX/XX/2023 when he said the check had already been mailed.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing this entry from   XXXX   XXXX   several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct
Product: Checking or savings account

We wrote a check on Friday XXXX, and someone changed the name, date, and amount. I saw the problem in my online account over the weekend, but I couldn't contact the bank. I immediately contacted the bank and called the police on Monday XXXX. Every time I contacted the bank, they said I had to wait 3 months. After waiting for 9 months, they said they would need a year to process. I contacted the bank in XXXX of this year. In the end, they told us that they couldn't refund the money. I looked at the monthly statement and the posting date showed XX/XX/XXXX. How can I get this money back?
Product: Debt collection

Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a PayPal negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the PayPal account. 
Response from PayPal : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the PayPal account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from XXXX XXXX XXXX XXXX claiming to represent Creditor : PayPal , Inc. Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
Product: Vehicle loan or lease

I contacted CarMax Financial customer service to discuss the handling of my claim for lost personal belongings ( valued at {$30000.00} ) that were disposed of after my vehicle was repossessed. I spoke with a representative named XXXX. 
During this call, XXXX : * Provided inaccurate information : She misrepresented the scope of a release form I signed, stating it only covered reimbursement for discarded items. This is false, as the form clearly covers [ State what the release form actually covers ]. 
* Refused to provide information : When I inquired about how CarMax located and retrieved my stolen vehicle, and how to reinstate my vehicle, XXXX refused to answer, stating she was " not required to. '' * Demonstrated unprofessional conduct : XXXX abruptly hung up on me while I was still speaking and asking legitimate questions. 
What I believe the company did wrong : * CarMax Financial, through its representative XXXX, provided false information, withheld crucial information relevant to my account, and engaged in unprofessional and disrespectful conduct. This behavior has caused me significant distress and hindered my ability to resolve my claim for the loss of my belongings. 
What I want the company to do : * I request a thorough investigation into XXXX 's conduct and the handling of my claim. 
* I demand a clear explanation of how CarMax located and retrieved my vehicle, and the process for reinstating my vehicle. 
* I expect to receive a fair and reasonable settlement for the full value of my lost belongings ( {$30000.00} ). 
* I want CarMax Financial to take appropriate action to ensure its representatives are properly trained and provide accurate information to customers.
Product: Credit card

I have several issues with this new company that bought the product and I let them know it. I made a payment one month and five days after payment they reported the payment was not made. I called and complained and shortly after this happens...... They have closed my Indigo Mastercard account and refuse to provide the reasons to me over the phone. I have not made any requests for this closure. I called and spoke to XXXX, Employee # XXXX at XXXX XXXX ( Parent Company ) at XXXX XXXX XX/XX/24 to discuss. I then spoke to XXXX, # XXXX ( XXXX XXXX XXXX ), she stated they could not disclose any information whatsoever. This company had XXXX reason to close the account and it will affect my credit ratings. This is retaliatory!!!!
Product: Student loan

I have been making student loan payments since 1996 when I graduated from school. The principle amount on my loans has decreased very little despite paying both principle and interest each month. If this were a home mortgage, the home would almost be paid in full at this time, but not so with the student loans.
Product: Checking or savings account

I got my school refund check I need to pay my rent and my car note deposited my check 11 days ago they put a 7 day hold on it was already a little irritated with that but I understand checks have holds when theyre a large amount you know.So when I go to take out some money for my rent and my car note after the 7 days they want to freeze my account and dont offer me any way to resolve the issue even though they had no actual reason to freeze it. I have 2 more days to pay my rent and 3 more days to pay my car note and insurance before I get hit with a massive late fee and my insurance gets turned off even though I have the funds. If I knew they were gon na do this XXXX I wouldnt have even cashed my check there. Now I cant cash it anywhere else either they need to give me my money period the hold is over
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Unauthorized Credit Inquiry from Experian Report I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry from my Experian credit report. My report lists an inquiry from XXXX XXXX XXXX that I did not authorize under the conditions disclosed to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX This inquiry was the result of a preapproval promotion which explicitly indicated that only a soft pull would be conducted. Contrary to this representation, a hard pull was made on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a deceptive practice. 

The presence of this unauthorized hard inquiry is damaging my credit score and unjustly impacting my financial standing. I demand that this inquiry be removed from my credit report immediately. I expect prompt action on this matter and will not tolerate any delays. Failure to comply with this request will leave me with no choice but to escalate this matter further, including seeking legal action to protect my rights. 

I trust you will treat this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates Navy Federal has shared my private information with a third-party agency, XXXX XXXX XXXX without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I am concerned that the disclosure of my information may not have met the accuracy standards required by law.
Product: Checking or savings account

My account can not connect to XXXX XXXX, XXXX, XXXX XXXX. Why are these restrictions on my bank account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I see in my report 30 inquires I never apply for these lender non have my signature I try to contact trans union to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month
Product: Mortgage

We received on XXXX XXXX foreclosure sale of home, this is the XXXX that we had hears about the sale. We did not received a Registered letter indicating the sale of the home, I was told that the Certified letter was returned to processor because of undesirable address,. We receive our mail at a PO Box because we have had problems with kids taking mail out of our mail box. All the processor had to do was look at the address that we have received mail at for over a year by Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX Date of inquiry XX/XX/XXXX