23daVinci/CFPB_Complaints huggingface dataset:
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, XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX XXXX As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : 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 MA XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX Employers : XXXX XXXX Employers : Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX * XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} Late Payment : XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2016 a promissory note was created, It was backed up by U C C codes and validation Acts of 1933, And Federal Reserve obligations etc. This promissory notes # XXXX was Notorized by a state of Nevada notary public and validated. This negotiable instrument was sent to : XXXX XXXX XXXX, CFO< Wells Fargo Bank Corp. XXXX XXXX XXXX XXXX XXXX, CA XXXX. Note # XXXX was made out for : {$55000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). After a real brutal divorce, my credit was very low and in negative standing. At the time i owed Wells Fargo Bank {$220.00} ( XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). This negotiable instrument # XXXX was issued to settle my debt to Wells Fargo Bank, and the remaining balance of {$55000.00} was instructed to get deposited in my current account with Wells Fargo Bank, which was supposed to be used as capital for my current business : Handy 1 Contractors. I do complete home renovations and build homes whenever given a chance.
Product: Credit card or prepaid card

I received a Vanilla Visa credit card in the amount of {$500.00} as a gift from coworkers. The package did not appear to have been tampered with ( it was intact and the card secure in the package ). When I attempted to use the card in a retail store & at a a restaurant ( XXXX and XXXX ) I received error messages, unable to process. On closer inspection, I realized there are no numbers on the front of the card other than the expiration date, and no XXXX number on the back of the card. The card is unusable. It appears that the numbers may have been rubbed off, or never applied to the card, in either case the defect would have to have occurred prior to the package being sealed. 
I called the customer service number on the back of the card : XXXX, & was informed they can only assist me if the original purchase receipt can be submitted with my complaint. I provided the receipt and the customer service agent did verify that the card has a balance of {$500.00}. I inquired if they could issue a replacement card but they will not.
Product: Mortgage

XX/XX/XXXX mortgage sold to Specialized Loan Servicing XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX coupon arrived stated {$0.00} due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX.

XX/XX/XXXX started getting harrassing phone calls for missing XX/XX/XXXX Payment.

XX/XX/XXXX spoke to XXXX, he saw i was up to date on payments, saw payments went into Escrow account, which i did not have set up, but that is why i was showing no payment and getting late fees. opened tickets resolved XX/XX/XXXX.

XXXX realized no coupon arrived called XXXX, saw same problem money in Escrow account, but i was up to date with payments. opened another ticket.my account was flagged as being delinquent and my credit score taking bad hits. another late charge XX/XX/XXXX asked for Supv as 3 times before never called back. XXXX called saw agent errors their part need to research. She saw a lot of documentation and needed to read would call back on XX/XX/XXXX XX/XX/XXXX no call back from XXXX, i called and still no call backs No coupon received to this date for payment due XX/XX/XXXX and was " mailed '' on XX/XX/XXXX. They are a Debt Collector and delibertly trying to get my account to default and blame me when they messed up the account from day 1 but telling the system to put my payments into escrow and not towards my payments. They are totally trying to destroy my credit and charge extra fees just to make a profit. They do not care to fix the problem they started but want to take over your home.
Product: Credit reporting or other personal consumer reports

Letter : to CFPB and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Improper Use of My Credit Report Dear Sir/Madam, I am writing to formally report an issue regarding what I believe to be the improper use of my credit report by Equifax. My details are as follows : Description of the Issue On XX/XX/year>, I discovered that my credit report was accessed by Equifax without my consent or for an improper purpose. According to the Fair Credit Reporting Act ( FCRA ), a consumer report may only be obtained for specific permissible purposes, and I do not believe this request falls under those categories.

Supporting Documentation : I have Screen shots of both XXXX, Equifax pertaining to my personal information on my credit report. XXXX has the correct information listed. I MARKED IT WITH A GREEN CHECK MARK. Equifax has the wrong information listed on my credit report, I PUT A RED X BECAUSE THAT INFORMATION IS NOT CORRECT.

Request for Investigation I request that both the CFPB and Equifax investigate this matter promptly. I believe that my rights under the FCRA have been violated, and I would like to know what steps are being taken to address this issue.

Please keep me informed about the progress of your investigation. I appreciate your attention to this matter and look forward to your prompt response.

Thank you.

Sincerely,
Product: Credit card or prepaid card

In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.
Product: Credit card

I am filing a complaint against Fidelity for their mishandling of a disputed charge on my Fidelity card and for what I believe to be an intentional delay in processing my dispute, resulting in the denial of my claim. 

On XX/XX/XXXX, I used my Fidelity XXXX card at a XXXX XXXX and was charged twice for the same transaction. Upon returning to the XXXX, I called Fidelitys card services on XX/XX/XXXX, and the representative informed me that a dispute form would be sent to me. However, I never received the form. 

I later contacted Fidelity through their online chat and was directed to submit a dispute form online. After several weeks, I was informed that the form I submitted was not the correct one for my debit card. I was then redirected back to card services. 

During a last phone call on XXXX XXXX to card services, the representative initially told me to submit the same incorrect form again. After explaining the situation, the representative finally initiated an investigation. However, on XX/XX/XXXX, I received a letter from Fidelity stating that my dispute was denied because it was filed outside of the allowable timeframe. 

I believe that Fidelity intentionally delayed the handling of my dispute in order to let the allowable timeframe expire. This has caused significant inconvenience, financial stress, and wasted time and effort on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX  account was deducted over XXXX  XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.
Product: Credit reporting or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year>
Product: Debt collection

I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. 

I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. 

I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. 

Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.
Product: Mortgage

Our mortgage was purchased by Wells Fargo from XXXX XXXX. Wells Fargo increased our monthly payment by {$150.00} for the next twelve ( 12 ) months to fix the escrow account. A portion of this is covered the increased cost of the insurance. However, they also claim they can add a two ( 2 ) month cushion to the escrow, which accounts for nearly {$50.00} of the monthly increase. I looked over my original mortgage contract and no where does it stipulate that we agreed to this. We've never been required to have a " cushion '' on our escrow account in the past. I spoke to a supervisor and advised them they do not have the right to do this. They claim they can and refuse to withdrawal their request for payments towards a so called cushion. It seems like they are charging escrow on the escrow. The mortgage contract we signed says if at any times the balance falls short that we would be required to make up the difference at that time. We understand that and are willing to do that, but their demanding a cushion is just a way for them to take our money and earn on it without compensating us.
Product: Debt collection

I have been contacted via email, mail and by phone by the following debt collectors regarding accounts that I have been a victim of identity theft and fraud and has impacted my credit report negatively. 

XXXX XXXX XXXX opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$250.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1800.00} The following debt collectors and accounts were opened fraudulently by ex partner whom information I know who obtained my information and was not authorized to open the accounts. And therefore are part of my identity theft report Comenity bank/ XXXX XXXX opened XX/XX/XXXX Balance {$620.00} Justice opened XX/XX/XXXX Balance {$910.00} XXXX XXXX XXXX opened XX/XX/XXXX Balance {$880.00} I would like these collectors to investigate into these accounts and give me all information pertaining to these accounts.
Product: Debt collection

When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.
Product: Credit reporting or other personal consumer reports

I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.
Product: Checking or savings account

I am writing to file a formal complaint against Truist Bank and XXXX regarding the mishandling of my account closure, a substantial refund, and subsequent customer service issues. This situation has caused significant financial distress and appears to involve unfair and deceptive practices. Key issues : Truist Bank Account Closure : I requested that my Truist Bank account not be closed until I received a pending {$1800.00} refund from XXXX. 
Despite this request and a scheduled future appointment, a Truist employee closed my account prematurely. 
XXXX Refund Issues : XXXX attempted to refund {$1800.00} to my closed Truist account. 
XXXX 's customer service has provided inconsistent and potentially false information about the status of this refund. 
On XX/XX/XXXX, XXXX 's executive team confirmed receipt of the returned funds from Truist Bank and requested I choose a refund method, including XXXX XXXX. 
Despite this, XXXX continues to claim they've refunded the original form of payment, which is impossible due to the closed account. 
Truist Bank 's Handling of Returned Funds : Truist initially claimed they couldn't retrieve the funds from " limbo '' and forced me to open a merchant dispute. 
After promising to provide the funds directly to me, Truist instead returned the money to XXXX. 
Ongoing Dispute and Financial Distress : Both XXXX and Truist have ignored documented proof and facts, creating a false narrative. 
This situation has caused significant financial distress and has potentially impacted my standing with other financial institutions. 
Customer Service Issues : Both companies have provided poor customer service, with representatives ignoring facts and failing to resolve the issue. 
Truist 's executive team member, XXXX XXXX, has been particularly unhelpful and has ignored factual information. 



This situation has caused significant financial hardship and stress. I am prepared to provide any additional documentation you may need to assist in your investigation. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024, I received a letter from XXXX XXXX XXXX and called them to dispute a debt that is not valid and that I thought was cleared up almost two years ago. One representative hung up on me when I questioned how I could know the letter and claim were valid before sharing my personal information. At approximately XXXXXXXX XXXX mountain time I was speaking to a different representative who had identified himself as XXXX XXXX. Despite repeated requests, XXXX refused to provide information on how to dispute this claim. I feel he was trying to prevent me from exercising my right to dispute the debt by providing misleading or obstructive information. After he hung up on me, I reached a different representative who was helpful and told me what step I needed to take next. 
While I eventually got the information I needed and was able to proceed, I found the behavior concerning and potentially a violation of FDCPA regulations.
Product: Debt collection

Recieved Garnishment without notification. No court date nothing. Called and was told it was from a debt over XXXX XXXX XXXX. Asked for validation and proof of debt. Was told it wold take up to XXXX days before it would even process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Corporation, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from XXXX   after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both Target and XXXX, both personally, and with XXXX XXXX legal counsel. 

XXXX is the only credit bureau reporting this charge off data incorrectly. It has corrupted my XXXX score by nearly 100 points. I have otherwise excellent credit. 

XXXX  has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both Target and XXXX repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of chat and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.