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

I contacted Experian to have my social security number fixed since they have a wrong social security number on file under my name. I was told to send a copy of my social security card, a photo ID and proof of address through their online system or by mail. I tried submitting them online and everytime it had a new requirements I must meet ( pdf or jpeg, black and white only, certain size file ) once I completed all the requirements I still got an error message but without any description this time. I tried again a few weeks later thinking something was wrong with the system but I had the same result. 

I sent the documents my mail at the end of XX/XX/2019 with tracking and got confirmation that they were delivered to their PO box in Texas a week later. 
I have called twice since and both times, I was told to wait another week. I called again today and my call was dropped multiple times. I have waited on hold for a total of 6 hours and still do not have a solution. This is ruining my life, I have not been able to start building my credit because it is always been denied, i was turned down for an auto loan because of this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute, regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours, stating that the account is accurate, without providing evidence of a thorough investigation. These are the accounts that I have marked an accurate : XXXX XXXX XXXX, world acceptance, XXXX XXXX XXXX, national recovery, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit 4 times in a very close time together. I have researched and researched. I do not know who this company is nor did I get give them permission to run my credit. 
They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021 I did not give them permission They ran my credit XX/XX/2021 I did not give them permision.
Product: Credit reporting or other personal consumer reports

I didnt not sign a contract or did any business with westlake
Product: Debt collection

I received a phone call from IC systems concerning a bill from ATT for XXXX I explained to the caller that this debt was a result of identity theft and I have had it removed twice before for such this collection keeps being sold to different collection agencies and every time, I have to start the dispute process over. the agent for IC systems was only concerned with collecting a debt which I do not owe. I have attached the original FTC theft report.
Product: Bank account or service

I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, XXXX
Product: Checking or savings account

I follow citi bank web off link step by step open citi bank XXXX account deposit more then XXXX XXXX dollar. within 5 month I call customer service they always say I am qualify. now after 5 month they say my code is no qualify. I never put code when I open account. I just follow link to open account. I didn't know code. now they don't pay XXXX bonus.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card account opened at XXXX  XXXX on on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I requested financial hardship assisitance for my mortgage due to health reasons. the mortgage company then referred me to several different people. I left messages, but no response after more than one week. I later received foreclosure related documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

THESE 3 CREDIT BUREAUS CONTINUE TO INCLUDE INFORMATION THAT IS INCORRECT FOR MY FULL NAME AND ADDRESS ON REPORTS AND THEY HAVE A LISTS OF ALSO KNOWN AS NAMES AND ALIAS THAT ARE NOT MY CURRENT NAME AND ADDRESS
Product: Payday loan

I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.
Product: Checking or savings account

Bank of America Savings account # XXXX I had {$220000.00} in my savings account on XX/XX/2022. After I reported fraudulent activity on my account that started XX/XX/2022. They only credited back {$220000.00} on XX/XX/2022. Shorting me {$3900.00} + interest. I have made at least 7 attempts to have this issue resolved to no avail.
Product: Mortgage

Good Morning, this is my third complaint on the same exact matter. 

Complaint XXXX, no response from Wells Fargo. I spoke to Wells Fargo a few days after they received the complaint. I was advised " Wells Fargo would HONOR '' my 5-Year Interest only modification, with a payment of {$1200.00}. 

XXXX Modification Effective Date. XXXX/XXXX/XXXX. Monthly Escrows {$390.00}. Modification reads as follows " This is your monthly payment into an escrow account and this amount is calculated in accordance with the Loan Documents and State and Federal law. This amount may change from time to time if escrow items ( Primarily taxes and insurance increase or decrease '' XXXX Taxes {$2000.00} paid by Wells Fargo XXXX, {$860.00} Home Owners, Paid by Wells Fargo XXXX. Taxes {$2100.00} scheduled to be paid by Wells Fargo XXXX. Total Escrows {$5000.00}. 

My payment = {$850.00} Interest Only + {$410.00} = {$1200.00}, which I pay {$1200.00} per month. 

XXXX/XXXX/XXXX - Escrow Review Statment from Wells Fargo. Your escrow account has a shortage of {$2200.00}. Option # 1 your payment will increase to {$1400.00}, {$850.00} Interest Only + {$610.00} Escrows = {$1400.00} or a {$190.00} increase per month. 

When I signed my 5-Year Interest Only option, XXXX including within the modification agreement. Ancillary Monthly Payment {$0.00} and I feel Wells Fargo is in breach of contract by charging me for this. 

Ancillary Monthly Payment reads " This includes some or all amounts the Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. The servicer has spread the repayment of Ancillary Amounts over a period of 0 months. 

XXXX/XXXX/XXXX I sent a letter to Wells Fargo Qualified Written Request ( XXXX, XXXX XXXX, IA. Attn Written Correspondence ) and I have NEVER heard back from them regarding this. 

Wells Fargo has NOT responded in writing or phone calls to myself on CFPB complaints # 1 or # 2.. Wells Fargo claims they " Ca n't get ahold of me '' yet they have my phone number and address. I feel they " Choose '' to ignore my requests. 

I have no problem paying the increase in escrows due to taxes increasing. 
{$850.00} - Interest Only {$420.00} - Taxes and Insurance {$1200.00} - Should be the total payment. 

Wells Fargo sent me notices of {$1200.00} is in unapplied funds, we do not accept partial payments. Until {$1400.00} is paid. 

I am XXXX with a XXXX with no cure. I am on a fixed income that I feel fortunate to have, even though it 's 30 % of my previous career salary. I have made some mistake within my life, including divorce, becoming XXXX, my life fell apart. 

XXXX provided me an option to save my house. I am grateful. 

Wells Fargo has had some blemishes recently and I am willing to work them. It appears they are unwilling to work with me, as we are coming up on 1 year and I have yet to hear a response from them. 

I 'm searching or guidance, as I had an attorney recommend I file a complaint with CFPB. This is my third complaint on the same matter. Will the third time be the one that works? Or should I contact an attorney? 

Thank you and XXXX XXXX.
Product: Checking or savings account

On XX/XX/19 I discovered that my Chase Business Account was being closed. I called into their customer service number, and they mentioned a " letter '' was mailed to my mailing address to inform me that they needed more information from me back in XXXX. 

When I asked what letter the representative could not tell me what letter. When I asked if it was so important why did they not email me? 

Chase rep replied : Because this type of letter needs to be mailed and only done through mail. 

I replied : I did not get such letter, why did you not send an email to me saying that a letter was mailed out? 

Chase Rep Replied : Because we can't do that sir, this letter only can be done by mail I then asked : Then why did you not notify me, the numerous times I called in between XXXX and Now for other reasons such as debit card blockage from your fraud detection system, why does your rep not bring up the fact that you needed me to show up in a branch or to fill out this really important letter if I failed to do so you would just close my account without notice. 

Chase Rep Replied : We gave you notice sir, a letter was mailed out in XXXX XXXX Clearly -- -- this is a very terrible business practice. I did not receive any letter from chase stating that they needed me to show up to a branch, or to give them any additional information. 

I have been with chase for over a year, and deposited over a XXXX dollars into this account. This sudden freeze and closure on XX/XX/XXXX was so abrupt that it will cause a delay in pay for ALL OF MY EMPLOYEES. They all have RENT TO PAY and families to feed. In addition to that, this will severely cripple my business as I am in the vacation rental business and have to pay for leases on multiple properties. 

___ After all this I asked how soon will I get my check. They said between 7 - 10 business days!!!!!! How is this fair to me as a consumer with this abrupt closure at the end of the month ... and to wait 7 - 10 business days? This is all my money which I need to conduct business, pay bills, pay employees  etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wallet & personal information was stolen & I experienced identity theft. I alerted all the proper authorities. I also in the past have placed a fraud alert with XXXX XXXX XXXX In XXXX after getting updated credit reports from all 3 credit bureaus I was made aware there was a auto loan with company GM Financial. I immediately went to XXXX police department to report identity theft. I filed a police report & have submitted it to the credit bureaus & GM Financial Company. I wasn't getting any response or cooperation except from XXXX whom finally removed the account. The FCRA fair credit reporting act is supposed to protect me as a consumer. The company & credit bureaus have had well over 30days to provide original authorized documentation to proof this is my account. They have failed to provide this burden. I have been affected & denied housing & other products. I have had to reach out & obtain a lawyer. I am requesting & demanding an account deletion immediately.
Product: Debt collection

Receivable Management Services placed a debt of {$220.00} on my credit profiles with XXXX, XXXX and XXXX. I sent a certified letter on XX/XX/2023 to Receivable Management Services asking for a copy of the contract I signed with them requesting services. Receivable Management Services has failed to send me any type of signed contract between myself and their company. But, they are still reporting to XXXX, XXXX and XXXX that I owe them {$220.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts NOT Included in Dispute : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was XXXX  of a XXXX XXXX XXXX in Pennsylvania. Since it is now XXXX, I believe this is considered outdated information according to the Fair Credit Reporting Act. However, this conviction is still appearing on my background check which was conducted by a company named Checkr.
Product: Vehicle loan or lease

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Checking or savings account

I open an account with Suntrust on XXXX or XXXX. I had an account with XXXX  XXXX XXXX. Within two days XXXX and XXXX, I XXXX money to my Suntrust account from my XXXX  XXXX XXXX account to fund it. The amount was XXXX dollars. 

On Friday, I access the account to set up bill bay and it stated my account was restricted. I immediately contacted them and found out my account was closed due to rules and regulations and that I will have to wait at least 15 days and I may receive my funds. I ask to speak with the Suntrust supervisor to see if anything can be done, in order to get my money. They advise that nothing can be done. I even ask if I can go to the branch to receive the funds due to that was most of my money and I had a little on my me. 

They advise that they couldn't do anything and if applicable I will be mail a check of what ever the amount is
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, Transunion, XXXX and XXXX has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report. 
Confirmation that the account has been fully resolved and removed from any records associated with me. 
Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.
Product: Checking or savings account

BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING