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

I and my Fianc have been clients with Wells Fargo with separate accounts we understand that Wells Fargo has mistreated all clients and are suppose to pay accordingly we have had accounts with Wells Fargo since 2012. Well Fargo affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.
Product: Student loan

on XX/XX/XXXX Fedloans notified me that on XX/XX/XXXX they changed my loan status to deferred based on information provided by XXXX XXXX XXXX XXXX XXXX where I am a clinical fellow. I am not a full-time student. I do not believe that I qualify for deferment nor would I choose to be in deferment if it was offered. 

They indicated that deferment would not end until XX/XX/XXXX I do not know what this is based on as my fellowship will end on XX/XX/XXXX. 

I have attempted to contact them by phone however when I have chosen the option to have them return the phone call they have not. Additionally, they have no option on their recording to speak with a representative. I had to XXXX what to press to wait for a representative as their phone tree does not provide options that are pertinent to my issue. 

Overall it feels as if Fedloans is taking actions regarding my loan status that I do not want to be taken and only informing me months after the action has been taken. They are then making it difficult or impossible for me to correct the issues they have caused.
Product: Credit card

Charged on my American Express for purchase I dont make XX/XX/XXXX  XXXX dollars purchases. XX/XX/2023 XXXX dollars
Product: Checking or savings account

On XX/XX/2022 I deposited a check for {$6000.00} into my business checking account, from a car dealership that refunded my money for a down payment on a vehicle that turned out to be a lemon. The check went on hold and my funds was suppose to be available on XX/XX/2022. Now on XX/XX/2022 my funds went on another hold now they say my funds will be available on XX/XX/2022 cause they couldnt verify the funds. I contacted the car dealership that issued me the check they contacted there bank and told me that the funds was taken out of there account so how and what are they trying to very. I contacted Bank of America on XX/XX/2022 now they tell me that they made the decision to close my account and my account will be closed out completely on XX/XX/2022 so I asked well whats going on with my funds either yall send the funds back to the original account or yall give me my funds! They tell me that the check didnt clear cause they couldnt verify the funds and it was returned, I had two different customer service representatives tell me that! Now on XX/XX/2022 I call Bank of America customer service again they now tell me that my account is closed out and they will send out a check for the balance thats in my account so I asked whats the balance they told me I say ok. I call them back on XX/XX/2022 they tell me the check was mailed out give it about 5-7 business days on XX/XX/2022. On XX/XX/2022 I received a letter telling me that i will not be issued out any funds. I snapped out I called the number on the letter and cursed them out, who are you to tell me that yall are not going to give me my hard earned money back! they tell me that they froze MY funds and when they are done verifying the funds they will let me know but as of now they have no time limit on when that will be. I called them back on XX/XX/2022 I told them they need to get whoever has my funds on this phone now! They tell me that they dont have a number only thing they can do is emailed them to request for an update to when I will receive my funds! Then tell me they can hold My funds and they dont have a time limit on when they will release it! I have been calling them everyday and everyday they tell me the same thing they still dont have an update, they cant tell me why they froze my funds! No one have any answers on to why they are holding on to MY money! On XX/XX/2022 they sent an request for an update still have not gotten one on XX/XX/2022 another request was sent for an update. On XX/XX/2022 I wrote Bank of America corporate office to file a complaint. As well as I am taken legal action. If my account was closed out on XX/XX/2022 how are you holding on to MY funds! we have no business relationship anymore I have no dealings with Bank of America so my funds should have been returned to me!
Product: Debt collection

I do not have an account with this company however they called about my abusive ex husband at XXXX XXXX  asking if I know where he lives, a number or a job. One I have an active chuld support case hes not paying, my children haven't seen him in years, and I get woke up at XXXX XXXX. She never stated the mini Miranda or stated the call wpuld be recorded and when I called back to speak with the supervisor she was rude as well. I will not be harassed for a debt I have no ties too.
Product: Checking or savings account

I signed up for a bonus of " up to {$250.00}. '' It went down to {$150.00} after putting in my zip code. I completed the requirements for the bonus, which were " make at least {$500.00} in qualifying direct deposits within 90 days of account opening, '' but I have not received the bonus. The CSR who I contacted stated there was no bonus on my account but I signed up through the link and copied the terms and conditions. 


" make at least {$500.00} in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to your account within 90 days of all requirements being met. '' My direct deposit was a recurring electronic deposit from the government and was above {$500.00} cumulatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the Fraudulent accounts reporting on my Credit Report. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022, with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, you are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The accounts listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : TRANSUNION : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$6100.00}
Product: Debt or credit management

Cash app sent my wife and cash app card. Problem is we never have used their app, signed up for it, or requested this card. 

Called and they claim they can't do anything about it. Looking online, this seems like a common problem with this company. Many people reporting they have received these cards without requesting or signing up for their service. 

Why is this company allowed to continue to open false accounts for customers?
Product: Mortgage

I have previously sent a letter to the lender and servicer along with attached proof and documents which indicate that the Assignment and transfer document recorded in XX/XX/2009 was fraudulent executed by XXXX XXXX. In addition, in XX/XX/2009 an affidavit was executed by XXXX XXXX that appears to also be fraudulent and in addition, XXXX XXXX claims to have knowledge of the complete loan and information and warrants it to be correct as presented for a XXXX foreclosure application. I have repeatedly requested validation of standing and legal chain of title given these two documents. Bank of America fails to ANSWER the very direct question if the documents were signed fraudulently by people who did not have authority to execute them as represented in the documents. In short - are the documents fraudulently executed? I am providing copies of the Transfer and Assignment document, the affidavit, and documents which show prior depositions and records of robo signing in lawsuits across the country. Were the documents executed in fraud? 

Prior responses refused to directly answer the question but instead manipulated the question into arguments that the foreclosure court had answered the question or that a quiet title suit filed and dismissed settled the issue. Please note that the court did not have the information on the fraudulent documents in the XX/XX/2009 foreclosure hearing and therefore did not review the fraud issue and in the quiet title suit that was dismissed the issued was not addressed because the lender and servicer transferred and assigned the loan during the middle of filed litigation without notifying the owner and the attorney representing BOA. BOA had failed to answer and address the quiet title issued during the 90 day period of time and were arguing against a filed judgment motion. AGAIN, I am requesting a direct answer as to the legal authority of both the representative that signed the documents and weather the documents are fraudulently executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX  XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Product: Payday loan, title loan, or personal loan

THIS ACCOUNT WAS REPORTED FRAUD XX/XX/2018 AND WAS CLOSED, ANOTHER ACCOUNT WAS REOPENED. THIS ACCOUNT WAS REPORTED FRAUD AND SHOULD NOT REPORT ON CREDIT REPORT. XX/XX/XXXX I HAVE SPOKEN WITH XXXX AT XXXX AND XXXX HAVE INFORMED ME THE ACCOUNT SHOULD HAVE BEEN REMOVED MY CREDIT REPORT AGENCY AND SHOULD NOT HAVE APPEARED. XXXX HAVE INFORMED ME SHE WOULD NOTIFY ALL BUREAUS TO HAVE ACCOUNT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted transunion regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how Transunion conducted their investigation and never received the proof. They finally removed the account. A few weeks later the account was reinserted. I never received any notification within 5 days, per FCRA, after the reinsertion. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe.
Product: Checking or savings account

closed IRA cd at one  west branch on XXXX. I Was told I would get money XXXX I called on XXXX to check on status, was told that check would be coming in 7 to 10 business days. it is hard to get hold of anyone at the bank branch. I think the bank is stalling for time to hold on to deposits. Where is my money? 

OneWestBank a division of CIT bank, N.A. 
Account ID number XXXX Main office XXXX XXXX XXXX  XXXX  XXXX, Ca XXXX branch location XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit card

I purchased a mattress from Mattress Firm using a Synchrony Bank financing offer that was presented as 0 % interest with monthly payments. At the time of purchase, I was not informed by the salesperson that the offer was a deferred interest promotion or that interest would be retroactively charged if the balance wasnt paid in full by a certain date. 

For two years, I made regular monthly payments and received monthly emails from Synchrony that included only a summary of the remaining balance and minimum payment due. While those emails contained a link to view full statements, they did not clearly state that the 0 % promotion was ending or that deferred interest would be charged. The subject line typically read promotion ( s ) expiring soon, which resembled standard marketing emails I receive from other credit card issuers and did not signal any urgent action was needed on my part. 

I only became aware of the {$2000.00} deferred interest charge after it was added to my balance, more than one month after the promotion expired. I contacted customer service to explain I had not been properly informed, but they refused to waive the interest, stating that it was included in the monthly statementdespite it being buried and not highlighted in the email summaries I relied on. 

I contacted their agent through chat on XX/XX/XXXX, and they told me there is no way to waive. On XXXX, I called their customer service again, they told me they have 1 month grace period, if I had asked before XXXX, they could waive it which I did but was told there is no way. I paid the promotional remaining balance on XXXX.
Product: Mortgage

I closed on my loan in XXXX. XXXX Mr. Cooper stated the title company shorted them on the payoff. They said for this reason they returned the wire funds back to the title company. I had a call with the title company and Mr Cooper on XX/XX/XXXX and we stated we could send them the difference for the shortage. They said no and that they had already returned the wire. To date the title company has not received the wire back. Every day they receive a call and say the same they will have to escalate and that there is a XXXXXXXX XXXX turn around. This have been going on for XXXX XXXX They continue to draw interest on the funds and this is also impacting my XXXX XXXX, even though I have the proof of closing on my loan. They have not even provided the ID number for the wire so it can be traced. I am tired of their excuses. Additional call log from XXXX XXXX XXXX wire was sent on XX/XX/XXXX to pay off loan. Taxes and XXXX  were disbursed, leaving the payoff short {$10000.00}. XXXX has funds since XXXX to send to Mr. Cooper but they advised wire was sent back already so shortage could not be sent in. Mr. Cooper states wire was returned on XX/XX/XXXX but no record in our bank shows this wire coming back. 
XXXX to XXXX to look into issue-was advised no info could be provided an ETA of XXXX XXXX to look XXXX where the initial wire of {$290000.00} was as we have not received back yet. 
XXXX back and was advise answer could not be given-no XXXX provided- another client escalation put XXXX for XXXX of XXXX XXXX to provide XXXX XXXXXXXX number to locate wire XXXX called back, spoke to XXXX, could not provide another as it XXXX take XXXX XXXX XXXX they advised. 
XXXX to XXXX at Mr. Cooper XXXX what the XXXX is. No update, they escalated to XXXX who was supposed to call us back, no call back. 
XXXX another client escalation would need to be put in to locate federal reference number from bank to locate wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXX @ XXXXXXXX XXXX XXXXXXXX. Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an XXXX XXXX XXXX because my consumer rights XXXX continue to be violated by XXXX, Trans Union and XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I made a deposit of {$1000.00} XXXX XXXX bills and XXXX XXXX bills at the XXXX XXXX XXXX XXXX XXXX XXXX, IL at XXXX. Unfortunately, it gave me a receipt saying to make sure my deposit went through call this number ( XXXX ). I called the next day on XX/XX/year>, and they said I needed to make a claim and that I will receive a credit within the next 10 business days. two weeks pass by, and I didn't receive a credit nor a call a back for an update on my claim. I call again they say the funds couldn't be located I asked to speak to a manager XXXX I recall his name was and he reopened the claim and told me upload a picture of the receipt in the Chase app and investigation would take 5 business days, he also said to go the branch where I made the deposit to see if they can see the cameras. on XX/XX/year>, I went to the branch and spoke to the vice president/branch manager XXXX XXXX . She said she would try and get video footage of my deposit. week passes by and nothing, so I call her back and she says that she was busy and almost gone for half of the week. Then she says she requested video footage from the higher management. She then says that the camera were down so they are waiting for them to go back up so they can try and review the footage. a month and two weeks as of now and still no response at all from that manager and doesn't answer at all. Claims department says they can't do nothing about it they just say they can't locate the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXXXXX  I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date openedXXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account name-XXXX  Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXXXXXX XXXX 

Account name-XXXX Account XXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX Account XXXX Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!