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

On XX/XX/XXXX I attempted to withdraw {$300.00} from an ATM in the XXXX XXXX in XXXX XXXX XXXX NV. I was given an error, so I tried again, and got another error. The money was not dispensed. I moved to a different ATM a few feet away and was able to successfully withdraw {$300.00}. I received a text from Schwab asking to authorize the transaction, which I did, assuming it was the second ATM that did dispense the funds, but now I'm not sure which I was authorizing, however I only received money from one ATM. I was not alone, other people can attest to the fact that no money came out of the first ATM. I reported it to Schwab, who provided me a provisional credit and investigated, but found that the ATM log says it dispensed the money. I requested they investigate further and they said they may have run the logs for the wrong ATM so they'd run it again, but they still found that the ATM says it dispensed the funds and withdrew the provisional credit. However, I know for a fact this never happened and I will not be charged {$300.00} for funds I never received.
Product: Debt collection

I was contacted by a collection agency named Credit Control LLC that claimed that I owed a debt. I wrote the collection agency asking them to validate the debt on XX/XX/XXXX and mailed it via certified mail and it was delivered XX/XX/XXXX. I did not receive any response from this agency and per my understandings they are supposed to respond within 30 days of receiving my request. The debt is being reported on my credit report, which is hurting me. I made a second attempt to contact the collector on XX/XX/XXXX and the letter was delivered via certified mail on XX/XX/XXXX ; I received an incomplete validation response from the collector which did not address my 2 prior validation requests. I have no proof that they can even contact me to discuss this debt they claim that I owe or collect on the debt that they claim I owe because they have not provided proof- they could be scamming me for all that I know. So much time has passed since I requested validation of this account and the first contact that I received since my initial validation request was dated XX/XX/XXXX ( which I did not receive until XX/XX/XXXX ). Additionally, the information that they mailed to me does not prove the debt they claim that I owe is accurate as all I received was a contract that does not have their name listed anywhere on it as being authorized to contact me or anything real clarity regarding this alleged debt. I am contacting you because it has been over 90 days since I sent my initial validation letter and I feel that it is unfair that this is being reported on my credit report when they failed to validate the debt.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting & Demand for Removal To Whom It May Concern, I am writing in response to your recent correspondence stating that you find no errors in your credit reporting and will not update or delete any information. After thoroughly reviewing my credit reports from all three major credit bureausXXXX XXXX XXXX XXXX have found significant discrepancies in the way my account is being reported. Specifically, the reports reflect inconsistent payment histories, including variations in the last payment made and other key account details. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all information you report to credit agencies. Given the inconsistencies I have identified and documented ( see attached supporting evidence ), it is evident that your reporting does not meet these legal requirements. Inaccurate reporting has a direct and negative impact on my credit profile, and I demand that these erroneous entries be immediately removed or corrected to reflect consistent and accurate information across all bureaus. 

Failure to comply with my request will leave me with no choice but to pursue legal action to enforce my rights as a consumer under federal law. I expect a prompt resolution to this matter and a written response confirming the deletion or correction of these inaccuracies within 30 days from the date of this letter. 

Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary. I trust you will take immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX, XXXX, and Experian, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with XXXX XXXX. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with XXXX XXXX led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not authorized any credit application or transaction on the mentioned date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681.

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application.

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified.

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to XXXX, Experian, and XXXX on XX/XX/2023. I attempted to reach out and have my issues resolved but XXXX was the only one to respond within 30 Days. There are multiple inaccuracies and differences on my account and only one was removed. The remaining accounts and inquiries will be listed below. 

In accordance with the Fair Credit Reporting act XXXX Invalid Accounts and Account XXXX XXXX have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not been asked or been contacted.

Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies says that a furnisher must not furnish inaccurate consumer information. A person who commits this contravention of this section shall be liable to a fine up to XXXX  XXXX ( {$10000.00} ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.
Product: Money transfer, virtual currency, or money service

My wife, a XXXX XXXX XXXX woman that has survived XXXX XXXX, was the victim of a " man in the middle '' attack by fraudsters. She was awakened on the morning of XX/XX/2022 by a phone call. She was then sent a text from what was purported to be the Wells Fargo fraud Department. The caller told her to confirm a text code

fro m WF that was to be sent. She did. She understood this to be the normal confirmation procedure of WF.

She became suspicious of the interaction and called the Customer Service number on the back of her credit/debit card. The actual fraud department said a wire transfer for {$29000.00} had been transacted. As she was still on the phone the WF staff person said another transfer just posted for {$34000.00}. She asked that both transfers be stopped and our account frozen. We have since closed that account and opened another account. 
It appears that the WF internal procedures are inadequate to protect against fraudulent wire transfer orders especially in consideration of Elder Abuse related clients. The control of mandatory security verification call to verify via voice recognition seems to be absent in this situation, but is relatively widely available. 
It seems entirely unjust and inquitable for WF to maintain their posture of reliance on their Terms and Conditions and Online Access Agreement and in light of the adhesion contract conditions of both in opening a banking relationship. This posture seems more egregious in light of the voice recognition technology availability as mentioned. 
Please advise what steps we might be able to take to recover this loss of nearly {$65000.00}. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against both Equifax and XXXX regarding their inability to resolve an issue that has severely impacted my ability to access my credit report. This unresolved matter is causing significant delays in the process of purchasing a home, as my lender is unable to access the necessary credit information. Despite my extensive efforts over the past seven months, Equifax and XXXX has failed to address my concerns or provide a satisfactory resolution. 


I have contacted Equifax approximately 27 times and XXXX about 10 times to resolve this issue. Each interaction has been met with inadequate customer service, leaving me without a resolution. 

As requested by Equifax and XXXX, I have submitted the following verification documents on three separate occasions via certified mail : Copy of my Social Security card Copy of my passport Copy of my drivers license Copy of my passport card All documents were sent via certified mail to ensure receipt by Equifax and XXXX. Despite fulfilling all documentation requirements, I have received no confirmation or resolution from the company. 


Over the past seven months, I have repeatedly submitted the required documents and reached out to Equifax and XXXX for assistance. 

During this time, I have not been granted access to my credit report, and Equifax, XXXX has not communicated any updates or reasons for the delay. 


I am currently in the process of purchasing a home. However, my lender is unable to access my credit report, which has stalled the approval process and jeopardized my ability to secure financing. 


The lack of resolution from Equifax and XXXX has caused significant XXXX  and frustration. The repeated failure to address my concerns has left me feeling helpless and concerned about potential repercussions on my financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXERVICING-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXBalance {$1700.00} XXXX XXXX XXXXXXXXBalance {$2600.00} XXXXBalance {$2600.00} XXXX XXXXBalance {$860.00} XXXX XXXXXXXXBalance {$460.00} XXXXBalance {$1000.00} XXXXBalance {$9200.00} XXXXXXXX XXXX XXXXXXXXBalance {$0.00}
Product: Checking or savings account

Hello On XX/XX/XXXX I notice a charge on my account for XXXX from a company name XXXX  I called the bank and they told me they couldn't tell me where it was coming from I did tell them that my car had been stolen a couple of days before and they told me they could cancel the card but I told them I need to get lunch and I was going to be able to use it if they cancel it. so the lady from the bank told me I can freeze the card and un freeze it so that I could use it which I did. At lunch I went to XXXX to get me something to eat I spend {$3.00} and unfroze my card for that purchased, when I came back to my desk to eat I login to freeze my card again and that's when I noticed it had just been use at XXXX for the amount of {$190.00} I called the bank immediately and they cancel my card. Today XX/XX/XXXX I got a letter letting me know that my claim had been denied due to their investigation showing that I was the one that had done the XXXX purchase I told her that was not me if I had done so I would of not be calling I told her to check the XXXX cameras and to prove to me that I was the one using the card and she said the I can go to the police since I had already file a report on my stolen car and figure it out on my own. I'm very disappointed it with my bank they can look at the history of my XXXX purchases I never bought this much on one transaction I've been a customer for over 10 years
Product: Money transfer, virtual currency, or money service

Simply put, the company took money with no likely intention of fulfilling their contract. They canceled the contract and are currently holding my funds. Now they are enjoying an interest free loan. They are also being vague about a refund and timeline. Most information provided by them has, so far, been false or inaccurate. I have no confidence a refund will be issued in a timely manner. I am complaining to all relevant state, federal, and private consumer agencies. The contract number is XXXX. I am requesting an immediate refund to the debit card they charged.
Product: Mortgage

I have never been given appointments or scheduled calls with XXXX. I have had a person named XXXX follow up and leave me a random VM along with a collection department. I have made payments and have never been given disclosure that the keepyourhome california program expired and stop taking applications until XX/XX/2018. Shortly therafter bof a waited until the expiration to file this. This is not good faith or the ability to assist or help show options. I was then referred to the bofa special dept because my loan is being serviced by a special dept. I would like communication or will be forced to hire a debt defense litigator
Product: Consumer Loan

In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant stall tactics by TransUnion, XXXX credit bureaus.
Product: Student loan

I am writing to formally dispute the accuracy and validity of the following accounts that you have reported to the credit bureaus. Furthermore, I have confirmed that my personal information was compromised in the XXXX data breach, during which my sensitive information was illegally accessed, bought, and sold. As a result, I am requesting immediate action to address and rectify these accounts under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ).

To validate these accounts, I demand that you provide the following : The original instrument of indebtedness ( e.g., promissory note ) bearing my signature that proves the validity of these debts.

A complete and detailed payment history, including the calculation of balances, and proof of ownership or servicing rights to these accounts. 
Documentation verifying your authorization to report or collect on these accounts. 

If you can not produce said information please DELETE said accounts from my all three credit reporting agencies at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, agents of Equifax received an Affidavit of forged endorsements, an FTC identity theft report, an IRS identity theft affidavit, and a USP ID theft report pursuant to the FCRA 605 B. ( USPS tracking # XXXX   XXXX XXXX XXXX XXXX ) The fraudulent account ( s ) outlined in herein were in fact deleted from my consumer report. On or about XXXX XXXX XXXX, I was  informed that my information was impacted by the Equifax Data Breach. Soon after I filed a claim of injury under the data breach  and re-submitted the documentation through the online porthole. Upon information and belief, the fraudulent activity on the accounts was due to the data breach. ( Ref # XXXX ) On or about XX/XX/XXXX, I received a consumer report from Equifax stating the account ( s ) were reinserted to my credit file. ( Confirmation # XXXX ) Upon information and belief agents of Equifax willfully, knowingly and spitefully reinserted account # XXXX to my consumer file due to my complaint through the data breach porthole.