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

I am writing to formally complain to Wells Fargo Bank regarding the recent mishandling of my account and the subsequent distress and financial harm I have suffered as a result. 

My account was closed under the pretext of " misuse '' despite all credits being issued by consumers, which I believe was unjustified. Throughout this ordeal, I encountered a series of troubling interactions with Wells Fargo representatives who were unhelpful and exhibited rude and morose behavior. Their unprofessional conduct exacerbated my distress, resulting in significant emotional suffering. 

Additionally, I experienced a severe issue with a lost deposit that led to extensive damages. The check was correctly sent to Wells Fargo and was misplaced by the bank, resulting in a 10-day delay before the funds were made available to me. This delay had catastrophic consequences, including late payments to my creditors and, most critically, my rent. As a result, I was nearly rendered homeless, with no recourse or place to go. 

Despite numerous attempts to seek resolution through Wells Fargo 's customer service channels, I have yet to receive a satisfactory response or remedy. Wells Fargo 's lack of action and accountability is unacceptable and has only compounded my distress.
Product: Prepaid card

I have an Amex Gift Card that I got for XXXX with a balance of {$500.00} and it does not work anywhere I have tried. I contacted American Express but they did not help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Equifax Failure to Address Credit Dispute Dear Sir or Madam, I am writing to formally file a complaint against Equifax regarding their failure to address and resolve a credit report dispute I have submitted multiple times. Despite following the appropriate procedures and providing all necessary documentation, Equifax has failed to take appropriate action or conduct a proper investigation in compliance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, I have been disputing inaccurate information related to an account from XXXX XXXX XXXX XXXXXXXX, which continues to appear on my credit report with inaccurate information. Despite mailing in my dispute along with all requested identification and supporting documents, Equifax has repeatedly stalled the process by : Sending me form letters requesting additional identification that I have already provided. 
Claiming they can not locate my credit file, despite my complete and accurate submission of identifying information. 
Failing to thoroughly investigate my dispute as required by the FCRA. 
This failure to act violates my rights as a consumer to have inaccurate or incomplete information corrected. It is further supported by findings from the CFPB that Equifax has a history of failing to properly investigate disputes, as evidenced in their systemic issues. 
I am requesting that the CFPB intervene to ensure that Equifax conducts a reasonable investigation into my dispute and removes the inaccurate information regarding XXXX XXXX XXXX XXXX  from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and action. Should you need additional information or documentation, please do not hesitate to contact me. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ( FCRA ) 15 U.S.C. section 1681 ( i ) which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 USC section 553-681 a B as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an account Statement onXXXX dated XX/XX/2022 from Truist for a checking account I did not open and that had expenses for maintenance fees deducted against the account. When I tried to contact Truist they repeatedly asked for my social security number which I would not give them and then instructed me that the only way I could resolve this fraud was to appear at a Truist location in person which I refused and asked to speak to a manager. After my request to speak to a Truist manager the phone was hung up by the Truist customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday XX/XX/2019 I spoke with XXXX XXXX regarding my credit report and inaccurate information thats reporting continues to shows verified. Also, my other concern was the unauthorized hard inquiries reporting on my credit report. He stated that I can not dispute my inquiries. I will have to contact the creditors. However, I explained that a few of the creditors I have been unsuccessful reaching due to inaccurate phone numbers. Also, I spoke with XXXX XXXX Bank and XXXX stated that he sent the request to delete the inquiry due to my complaint. I requested to speak with the Special Handling Dept and he stated they were closed and to contact them Monday. I also requested to remove all disputed remarks on my accounts. Today, I spoke with XXXX in Special Handling and still no success. I have reiterated the same issue and she noticed that a few accounts did not have valid contact information for a consumer to dispute. However, she still chose not to investigate. Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses.

I do hope that we can settle this matter. I request to remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or will pursue further legal actions.

Here are the unauthorized inquiries : 1 ) XXXX XXXX XXXX 2 ) ALXXXX XXXX XXXX ( 2x ) 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXT 5 ) CXXXX XXXX XXXX 6 ) XXXX XXXX XXXX ( 2x ) 7 ) XXXX XXXX XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX XXXX   12 ) XXXX 13 ) XXXX 14 ) XXXX XXXX   EXPRESS PLEASE MAIL A COPY OF THE DELETIONS.
Product: Credit card or prepaid card

I received a letter from American Express on XX/XX/2020 indicating that my line of credit had been reduced by over 50 %. 

I attempted to use my card at a business that I used to own, although I no longer have any relationship with. American Express refused to acknowledge any evidence that I no longer have a relationship with the company. 

I worked diligently to try to correct the error with the company. The company refused to hear my appeal. 

I believe that employees processing my request used my XXXX orientation against me in the refusal to hear my appeal.
Product: Credit reporting or other personal consumer reports

There is a XXXX  XXXX Bankrutcy reported on my credit I have disputed it for years. the information is inaccuarate and can not be validated. I reached out to the bankrutcy court and they sent a letter stating that they do not report or confirm accuracies reported by these credit agencies. I have attached a copy of the credit lines and thier inaccuracies. along with the letter form the court house that clearly states this information was illegally retainied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 purp
ose.
Product: Debt collection

On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize that i had damages on my credit report according to the fair credit law 15 USC1681LAW there should not be any damages on my report. Its a defamation to my character. And this is a federal law violation. This have me emotional and stress  now I am homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data werestill incorrect. 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 XXXXXX/XX/XXXX
Product: Mortgage

PHH has committed multiple errors. There is no dispute that the owners own the home. There is no dispute that PHH does not have title to the property. There is no dispute that the borrower filed a XXXX before the notice of sale as issued. There is no dispute that in Florida a notice of sale is required to complete a sale. There is no dispute that Florida is a judicial state. PHH is misclassifying the status of the property as XXXX when there is not dispute that XXXX is still in the name of the borrowers. Therefore this property can not be XXXX until the borrower loses title. PHH is causing the borrowers harm as well as injuries and preventing them from completing loss mitigation. The borrowers have a buyer who is willing to make an offer and PHH is preventing the resolution of the alleged debt. PHH has violated 12 cfr 1024.41 and 12 cfr 1024.35 ( b ) ( 11 ). PHH is therefore dual tracking by frustrating the loss mitigation process and moving forward on the foreclosure at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma should stop advertising to consumers and encouraging them to dispute their credit reports without consumers first obtaining an official report from the bureaus and reviewing themselves. They should stop advertising the reports they provide for free to consumers as their real credit reports, when this is not the case. This is XXXX and unfair to other businesses, causing more work for other companies to review frivolous disputes when the reporting was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  BANK Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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: Debt collection

They have called several times, saying they were collectors for a payday loan with XXXX XXXX XXXX XXXX XXXX, and then with a company in XXXX XXXX 's " group ''. They threaten to sue, etc. Our client filed Bankruptcy ( chapter XXXX ) and got his discharge, so we called the phone number and told them, they said they would remove the claim. Then they started calling him again. The attorney called and as soon as he said he was the attorney, they hung up on him, he called back, they put him on hold, and hung up on him. We have talked to XXXX XXXX and they say it is not anyone from their collections department or anyone they have hired to handle their debt collections. 
XXXX First Recovery XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectives measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees. I have incurred, Despite having sufficient when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings again navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.
Product: Mortgage

I have been patiently awaiting a refund of my Escrow account. On XX/XX/XXXX, a check was issued to me mailed to residence. When I did not receive this check in the mail I contacted United Wholesale Mortgage several times stating non-receipt of this payment. Finally, on XX/XX/XXXX the check was found to have been cashed though mobile deposit by someone else. I have no knowledge of the identity of the person that forged the check and would like to pursue legal action against them. 

I have been calling XXXX and XXXX XXXX since early XXXX. On XX/XX/XXXX, I was advised to send this written request so that a check can be reissued as soon as possible. 

Nothing has been done I get hung up on told to send in new forms. I feel like I committed a crime when I was the victim. 


Amount {$2600.00}
Product: Debt collection

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor to your collections company.

2. Proof that you are licensed to collect debts in Texas. 

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. 

This is my only attempt to resolve this matter before litigation
Product: Student loan

I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.
Product: Mortgage

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX  tax collector sent a letter informing my fiance and I that we had an outstanding balance owed on our XXXX real estate taxes. We had refinanced our previous mortgage XX/XX/XXXX and verified with the closing agent that they had appropriately applied escrow funds for taxes owed. At the time of receiving the letter, I attempted multiple times to resolve the escrow shortage with the Lakeview loan servicer, XXXX. In addition, the insurance broker I have used for years attempted to call them for the hazard insurance. When the broker called, XXXX stated they had no record of my loan. During my attempts to resolve, they would claim to research and call me back but never did and now 7 months later I can not resolve this issue. By reviewing the payments on the Lakeview loan servicing website, I can see funds posting as XXXX XXXX and XXXX XXXX XXXX XXXX. However, the amount listed {$2600.00} is not our quarterly escrow amount. It should be {$2200.00}. I have asked for copies of checks and evidence of where the funds were sent to. If we can obtain this, we can see where these funds were applied to. We were informed by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collector that the amount {$2600.00} does appear to be the amount owed for our condo association builder ( XXXX XXXX XXXXXXXX XXXX ). But we can't get XXXX to work with us or provide the documentation needed to resolve this. My fiance had posted a poor review on the XXXX XXXX XXXX  and Lakeview reached out to state they are opening a case but passed it back to loan servicer XXXX. We do not want this issue to continue being unresolved. Our escrow balance went into a shortage, our taxes are not paid, and our mortgage payment increased to account for a shortage created by XXXX in the first place.
Product: Debt collection

I keep getting on again off again calls from Rent Recovery. Rent recovery was discharged in my bankruptcy XX/XX/XXXX. I get calls telling me to pay my bill and that I need to learn how to pay bills from irate people from rent recovery. I was told if I keep being harassed I can sue this company for 10 times the amount they say I owe once bankruptcy has been discharged if I keep getting calls or they try to open up new collections on my credit report. Rent recovery opened a new collections on my credit report XX/XX/XXXX. and this has prevented me from getting a home or apartment. I am recovering from a XXXX and can not be XXXX at any level and this company is a XXXX threat to me. I have sent letter to company asking them to remove themselves from my credit reports and no reply by.
Product: Credit reporting or other personal consumer reports

The account is older than XXXX years from the date of first delinquency and should no longer appear on my report.
Product: Credit reporting or other personal consumer reports

I never lived at this address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit card or prepaid card

i applied for amazon chase credit card so i could get a discount on large amazon purchase. they approved me however they never sent me a card ( i didnt really want it anyway ) and i have never used if for purchase of any kind. they then call me onXX/XX/XXXXand say i am 30 days past due. after spending half hour calling them back and getting to someone who could help i explained my situation. i told them i never got a card nor used it for anything. they told me that it was a fraudulent purchase and that they would cancel the card send me a new one and nothing would be reported to credit bureaus. they in fact did report to credit bureaus
Product: Credit reporting or other personal consumer reports

Credit card theft and identity theft that has never been resolved
Product: Checking or savings account

Subject : Response to Axos Bank Regarding CFPB Complaint Case # : XXXX Dear CFPB, Thank you for forwarding Axos Bank 's response to my complaint. I appreciate Axos Bank acknowledging the need for clear communication regarding micro-deposit verification. 
However, my original complaint focused on an unauthorized debit that occurred on XX/XX/XXXX, from my external account being linked to Axos Bank while the attached Axos Bank 's response references and quotes their Online Access Agreement ( Please refer to page 17 of the Banks Online Access Agreement disclosure, available at XXXX : XXXX ) which is dated XX/XX/XXXX, and postdates the incident in question. 
My concern remains that Axos Bank did not have my authorization to debit my external account on XX/XX/XXXX, nor did they inform me beforehand about the debit from my external account during the micro-deposit verification process. 
If Axos Bank insists that I was properly informed about the debit from my external account on XX/XX/XXXX and that I had authorized such a debit, they should provide the evidence of such disclosure or authorization that had occurred on or before XX/XX/XXXX, and not after that date. 
Thank you for your continued assistance in this matter.