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

Equifax does not have a Credit file for me. They are the only XXXX that is not reporting on me. what this has done is show a " fraud '' tag on my credit report to my lender while I'm trying to purchase a house. I called on XXXX XX/XX/XXXX at XXXX CST with my lender to get this worked out because they are saying the only way to create a profile for me is for me to send them a letter through the mail with my PII in it to create a profile even though they confirmed all of my information on the phone. My lender sent a certified mail ( required signature on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, GA XXXX. They received the letter on consumer side ). Equifax help desk is stating they never received it. Upon request from consumer and lender to removed the Fraud mask on reporting system and initiate a " no profile exist '' so that my VA Lender can give me a home loan, we were told that it is not possible without the mail-in. I feel that it is extremely unsafe to be sending this information through the mail when it could ruin peoples lives and they have already lost it once. Equifax customer service refused to provide a supervisor " per company policy and high call volume '', and said they could file an internal complaint for escalation. When asked what department it was going to be moved to, they would not provide a department name or details of complaint. When customer service rep was approached with sound logic of verification of ID and ran out of answers, She hung up on The consumer/lender. Consumer/ lender also sent a secure fax to their fax line that requires confirmation of response due to secure information on XXXX XX/XX/2022 at XXXX CST.
Product: Mortgage

I have screenshots On XX/XX/2023, Mr Cooper sent a a Letter of escrow shortage. With a dramatic increase in our monthly payment. My payment was XXXX, they wanted me to pay over XXXX. So, I opted for paying the escrow shortage and continuing on with my life. I log on today and they say I am late for XXXX and are charging me XXXX dollars. Yet, my XX/XX/XXXX ( XXXX payment made in XXXX ). payment was for XXXX which I sent as I always send. My usual payment is XXXX. I have been paying XXXX all year with the excess going to principal not escrow. The agent today said that the payment was not in full so they applied it to principal making it look like I did not pay my mortgage. The agent went onto to say my reg payment is XXXX or something around that. It makes no sense. I paid the full escrow amount, why would I double pay that through my mortgage? Also, they never run my escrow in the summer. They seem to be doing things completely out of order. They always ran it the beginning of XXXX. But neither here nor there! I have my XXXX mortgage payment ( paid in XXXX ) sent the usual way, Sitting at the bank and misapplied to principal. I actually made my XXXX payment for XXXX today. I am never late and never short. I need help because this is affecting my credit score which is in the XXXX. With me paying the full escrow shortage my mortgage payment should never have changed. The next thing they pay is in XXXX and is XXXX. XXXX a month goes towards my escrow. They will have ( and if they do not, I will add it ) the money to pay my bills ). It is this escrow nonsense that makes me crazy. I sit in a home worth a XXXX with a XXXX mortgage and I have to have them pay my bills. It is a scam. The entire banks holding your money to pay your bills is a giant scam. Nonetheless, please help.
Product: Checking or savings account

In late XXXX, I opened a checking account with Wells Fargo under a {$400.00} promotional bonus offer. The terms indicated that I would receive the {$400.00} bonus after completing the following : 1 ) Opening an account with at least {$25.00} and 2 ) Having at least 1 direct deposit totaling {$4000.00}. 

I have completed both of those requirements. I received a response from a " XXXX XXXX '' within Wells Fargo Complaints department. In her response, she indicated I had not completed the direct deposit requirement which is not truthful at all. I am attaching a screenshot direct from the Wells Fargo banking portal which shows I had a direct deposit from XXXX for over {$4000.00} on XX/XX/XXXX ( more than 30 days ago ). It says that DIRECTLY on the Wells Fargo banking platform. Now if that's Wells Fargo 's mistake, that's on them, not on me. Don't punish the customer for something the bank did incorrectly. 

The bottomline is I fulfilled the terms of the bonus and I want my {$400.00} bonus. I am attaching 2 images to this complaint. One showing the terms of the XXXX bonus and another from Wells Fargo bank that I completed the $ XXXX direct deposit requirement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Southwest Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Southwest Credit Systems for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Southwest Credit Systems has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Southwest Credit Systems cease such practices immediately. 

4. **Failure to Provide Disclosures : ** Southwest Credit Systems has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Southwest Credit Systems , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

XXXX. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Southwest Credit Systems. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. I also have no knowledge how they are claiming i owe any money. I have never been to the hospital they claim i owe.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX 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 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, XXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

GMTHIS IS IN REFERENCE TO CASE NUMBER OR CASE XXXX. I have been given nothing but problems with locations within my area to retrieve funds from Western Union due to lack of ID. I have been sent this money by my sister, with the understanding that I would be able to retrieve funds without my ID as long as Security ( Test ) question info was provided to Retailer ( Per Western Union standards ). But Yet your company ( Western Union ), who pay the retailers and we ( customer/consumer ) pay you for the service of money transferallow retailers to BASICALLY OVERRIDE your rules and Advise said customers/consumers they have their own rules and can deny payment for lack of ID.I went to several retailers who advise they will not honor request without ID. So what good is this answer TEST ( security ) question when they still refuse to honor WESTERN UNION customers? To be honest, this seems fraudulent, to drum up business for your company and I am certainly going to have this looked into AND FORWARD THIS INFO TO. And will Make sure to put the word out how unhelpful your company is when honest, hardworking consumer/ customers are led to believed that your service provides all that it says it does.
Product: Checking or savings account

This past Sunday, XX/XX/22, I received an email alert notifying of a pending {$800.00} XXXX  payment that was scheduled to be debited from my private bank checking account on Monday, XX/XX/22. Ive never used XXXX XXXX  and do not know the recipient. As this was clearly a case of fraud, I promptly phoned XXXX customer service to alert them of the issue. The CSR dismissed it, as the transaction wasnt yet appearing in the account ledger. I emailed the investigation department at the CSRs behest, and provided a screenshot of the evidence. At this point, having performed all due diligence I could, I trusted the bank to protect my interests. 



However, when I checked my account the next morning while on my way into work, I discovered that that transaction had been allowed and that I was subsequently overdrawn {$220.00}. Two days later, the situation still hasnt been resolved and my account still has not been credited the {$800.00} which was stolen. The dispute department is dragging its feet, and my private bankers are indifferent to the situation. As of Thursday, XX/XX/22, XXXX is still letting my account languish with a negative balance without restoring the {$800.00} which was stolen from me due to their negligence and incompetence!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,, XXXX ( Original Creditor : 11 XXXX ) XXXX,
Product: Debt collection

This is Comenity Bank they will not stop calling multiple times a day no matter how many times I have asked them not to. They are calling me on Sunday when I have repeatedly told them not to call me on a Sunday. 

The calls are harrassing and calling from a block number is also very wrong Sunday XX/XX/2021 5 calls 1st 2 was from a restricted number XXXX and XXXX Calls 3 and 4 from phone number XXXX XXXX XXXX and XXXX Call 5 from phone number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX
Product: Credit card or prepaid card

DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD  VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.
Product: Student loan

I attempted to consolidate my loans to be placed on a different payment plan in order to lower my monthly payment amount. After being told different information by 3 different customer service employees when I called, I finally got the ball rolling in XXXX. I was told that I would HAVE to be placed on forbearance for the month of XXXX to give them time to process the request and that my next payment wouldn't be due until XXXX. I asked the person on the phone MULTIPLE times to confirm that I would NOT have a payment due in XXXX. I received documentation from Navient stating that my forbearance was approved and my next payment wasn't until XXXX. On XX/XX/XXXX I log onto my account to find that it says I have 2 past due payments. When I called customer service I was told that I was never placed on forbearance. In order to make my account current, I had to be placed on forbearance for this month and my next payment will be due in XXXX ( hopefully ). I keep getting wrong information and Navient is not doing their job. Had I not checked my account, this could have severely impacted my credit. Not to mention it is extending how long I have to pay off my loans, which is adding more interest. Because of their mistake.
Product: Debt collection

Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.
Product: Money transfer, virtual currency, or money service

Someone used my account to sent the money to someone I dont even know. I want my money back. I tried to make a disputed but paypal wont take any responsibility for it.
Product: Debt collection

My issue is really trying to collect a refund that they owe. I agreed to repay my debt back and made all payments. My very last payment that was deducted out of my bank account on XXXX/XXXX/15 was {$150.00} extra. They have only refunded me {$20.00} to day. I am still waiting for my remaining {$130.00}. Each time I call Midland Credit Management MCM I am routed to a call center in XXXX. They use fake American names and they have access to all of my personal information including my bank account, social security number, address etc. I am getting the run around trying to collect my refund and can not speak to anyone who can help me. I am very frustrated and angry as I kept to my agreement, plus I am really upset how they just released my personal information to just any one in XXXX without my permission. Please help me get my refund back,
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Product: Debt collection

While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ). 

I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. Please update my name to XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

in accordance with fair credit reporting act convergent 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX I received a phone call from XXXX XXXX. They said that they were Wells Fargo and asked me if I had made some purchases. One in XXXX XXXX, Texas for {$240.00} and another at a XXXX somewhere else for {$200.00}. I replied no and the man on the other end said ok and said to hold on one moment. Then he asked me if I had made a wire transfer and I said no I did not. He then walked me through a " wire reversal '' through my Wells Fargo app. Which involved me putting in the amount of the wire transfer {$12000.00}, information for someone's account, and typing " XXXX '' in the message to the bank on the other end. Then he had me wait a while then gave me his name and employee ID which ended up being fake. I called Well Fargo at XXXXXXXX XXXX the same day the other call occurred ( XX/XX/2023 ) and they said they would stop the transfer and they shut off my online account. They told me I needed to go to the bank the next day so I did. The person at the desk gave me a case number and told me to wait for the bank to get ahold of me and if I didn't receive anything in the next week to call them. So this week I called them and they said that my case was closed and to wait for the piece of mail they sent me or call a number for more information regarding my claim of fraud. I received the mail and it said that they initiated a wire recall on my behalf to attempt recovery of the funds. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result they are unable to reimburse me and have closed my claim. I am going in today to talk with them and see what my options are but it seems like they won't help me.
Product: Checking or savings account

Bank of America opened an account for me 5 months ago without my knowledge and is charging account fees every month. 
I couldn't go to the branch because I didn't have time. I sent an e-mail, they did not reply. 
This is fraud by the bank. 
Can you help me I want this account closed immediately.
Product: Checking or savings account

I have made several claims between XXXX and Zelle. XXXX continues to tell me to go outside of them BUT they are my bank. Zelle has not yet reached back out to me. This is in the amount of {$730.00}. I have not had a resolution since XXXX XX/XX/25. Please assist in anyway possible.