23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my account was hit by a company named XXXX  a total of 8 times in total for {$350.00}. These were unauthorized transactions. They were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to contact XXXX and have received only one response from them asking the last 4 of my card number which I gave them with no response. I emailed them again trying to follow up with them with no response. 
I also tried to contact Cashapp while the transactions were still pending and not completed and they told me they could not help me until they were completed. I contacted Cashapp again once the transactions were completed and filed disputes on these transactions and was told that there was no error made and they could not help me. Now Cashapp has canceled my Cash Card 3 different times for some unknown reason making it to where I can not access what money I do have in my account and they can not give me a reason as to why they are doing this. I have contacted support through the app and have called support with no help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.
Product: Money transfer, virtual currency, or money service

I did not explain it right as it was a government grant scam which I authorized. I was denied by the company PayPal and my bank XXXX XXXX XXXX  because I made a mistake. I am not used to using a dispute resolution center. I never received a product or service because it was a scam. A government grant scam via XXXX XXXX XXXX aka XXXX. He said I should send money to his cashier for fees associated with the grant example XXXX XXXX, taxes imposed or the cost of shipping. A processing fee of XXXX plus XXXX service PayPal fee for a total of XXXX. My case number is Case ID XXXX XXXX. My case was closed and all I have is 180 days to dispute it which PayPal says I can not. The money was sent to XXXX XXXX and in the note box was a comment about XXXX something like laughing. There was nothing I can do to resolve it so I am writing to PayPal now. My bank debit card with Capital One was linked to this account and used for this transaction. XX/XX/2020, Case is not resolved and has been disputed with both by website and telephone PayPal and XXXX XXXX XXXX. It was viewed as my error and cases were closed. XXXX XXXX on XXXX claimed to be the agent in the scam. Probably an index card hanging from his shirt he is no agent of the United States Government.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting an immediate correction to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/2024, I endeavored to update my mailing and physical address with financial institutions via online banking due to a recent relocation. However, the representative informed me that my phone number was not eligible for verification, despite it being on record since the inception of my account XXXX years prior and having been used for all one-time code transmissions. Furthermore, the system and the representative failed to activate alerts for card usage notifications, which are crucial for fraud prevention. This oversight by the financial institution potentially exposes me to fraud risks by withholding essential fraud prevention resources.
Product: Credit card

Received a credit card statement from Wells Fargo Bank, N.A.for an account # XXXX XXXX XXXX XXXX for an account which I did not open, I absolutely refuse to deal with that bank due to problems we had trying to close accounts in my sisters name when we had to put her in assisted living due to medical problems
Product: Mortgage

Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.
Product: Credit card or prepaid card

I have attempted 3 time over three weeks to submit this dispute to BofA and each time I am told 'Dispute service ' not currently available. That is BofA does not allow me to submit my dispute. Dispute is : XXXX charged {$27.00} by XXXX for a subscription service. 
XX/XX/23 I wanted to add another subscription service but I was told I now had to buy the whole subscription sevice package, even though it included my recently purchased service; but that when I purchased the full package, the previous purchase of the now duplicated service charge would be refunded. I therefore bought the full package for {$150.00} charged to me by XXXX on XX/XX/23. 
I have not been refunded the {$27.00}. Now XXXX says that I have applied for the refund too late, although at the time of the new purchase I was told by the XXXX agent that I would get the refund automatically. 
I dispute this {$27.00} transaction made by XXXX to my CCard.
Product: Mortgage

I am filing this complaint against Wells Fargo Home Mortgage, in regards to their refusal to refinance my mortgage and reimburse me for bonded titles I had to obtain on my own. 
Recently, on XX/XX/XXXX, I called Wells Fargo Home Mortgage and spoke with a XXXX XXXX, in reference to the recent judgement against Wells Fargo for deceptive banking practices, for those who had a mortgage with them between XXXX to the present. The mortgage I had with them falls into this timeframe. 
In XXXX, I had filed a complaint against them for the same reason as stated here, with them claiming no responsibility on their part. Due to the recent ruling against them, and the additional proof of their wrongdoing, that I am submitting in the attached files, I hope to prove their unethical practices were done to me personally. 
I received a reply letter to my XX/XX/XXXX phone call dated XX/XX/XXXX. In the letter they again dismiss any fault on their end. Their XX/XX/XXXX letter contradicts the letter I kept from XX/XX/XXXX. In the letter from nearly a decade ago, Wells Fargo denies they have any application on my part for a streamlined refinance with them, as they were my loan servicer. In addition, they also state I did not include my loan number in my correspondence with them, and they can not research my issues without it. In the self same letter from XX/XX/XXXX, my loan number is clearly stated at the top of that letter. I have included an attached file from XXXX of XXXX when I sold the property in question, clearly showing my account number. 
The most recent letter sent XX/XX/XXXX contradicts the XX/XX/XXXX letter, by stating that I did apply for a refinance after all and then goes on with some reasoning why they didn't approve my application. Deceptively, they state I did not provide documents in a timely manner and time expired. What they are not telling is the documents they required were copies or original titles to my manufactured home, two to be exact, one for each half of the doublewide. These are documents I did not or would not have in my possession unless I owned the home. The lender should have the titles or access to them until I paid the mortgage in full. Wells Fargo could not have this documentation as I came to find out it never existed or was missing. I was stuck with a home I could not sell, refinance, and if I did pay off the mortgage, I would have had no title to the doublewide. There was no reason to deny my streamline mortgage application other than the missing documents they did not have, but they were happy to just leave me with their problem. I had excellent credit at the time, high 700 's to low 800 's, steady employment, never late or missed a payment in the nearly 11 years I had them as my mortgage servicer.

Eventually, I was able to fix the title problems at my own expense by purchasing 2 bonded titles.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Product: Student loan

Same as a year ago. Navient. I have finally got a payment that I can make with them, and it have gone up every 6 month or so. I do n't know if they want me to default on my loan or what. Started out with a payment of {$550.00} a month. Then it went to {$550.00} a month. Now its up to {$570.00}. My payment was suppose to stay at {$550.00} a month, due to me making {$20000.00} a year. I have never missed a payment, they have put me in a terrible strain again with my payments. I also need to know, If I was in the last lawsuit they the consumers won with Navient. If so, all of the funds can go to this loan. Please let me know what my next legal move should be. I get very tire of trying to do the right thing, and get dirt kick in you face at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion just reported a " late payment '' on a charged-off account from XXXXXXXX XXXX XXXX which is an FCRA violation. How can there be a late payment on an account that's already charged off and closed?
Product: Consumer Loan

I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Marcus savings at Goldman Sachs will not allow for withdrawals. I can not access my money because now they are claiming their website is down.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment The specific account ( s ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I had my cell phone stolen, while in XXXX, Ohio. My check card was stored in my XXXX XXXX  and was compromised. My loan payment that was made to The Tower Loan was returned, due to the fraud on my checking account. I have enclosed a copy of the police report from the XXXX police department. I did speak with the Manager XXXX on Monday, XXXX XXXX at approximately XXXX, and he told me to pay XXXX dollars on the account and the late payment would be removed from my credit. I am giving the loan company 30 days to remove the late payment, or I am moving forward with bankruptcy. I am not going to held responsible for the negligence of someone else or have to wait 2 years to buy another house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was in deferment. While in deferment it was sold to another lender. Now the new lender want the mortgage plus the deferment amount.
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 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: Debt collection

This phone number was recently assigned to my XXXX XXXX XXXX daughter. The collection attorney from Palmer, Reifler and Associates, P.A. keeps calling her looking for a person named XXXX with a recorded message in violation of the TPPA. 

I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over the last several weeks to place a " Credit Report Freeze " on my information with the company called Equifax. They suggest using their web site to Freeze Your Credit Report, but the system reports an error " 500 " and will not allow you to proceed. I have called their listed phone numbers, XXXX and XXXX all to no avail. 

I want my credit report to be placed in Freeze before some one uses my information Illegaly. 

XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

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 an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports 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 or other personal consumer reports

On XX/XX/year>. Received email notification from Equifax that they reinvestigated and verified XXXX XXXX account as accurately reporting. Please note : on XX/XX/year>, Equifax showed they removed the inaccurate and negative XXXX XXXX balance and charges. Then unbelievably on XX/XX/year> they put the negative, inaccurate errors back on Equifax report. Furthermore, Called XXXX XXXX customer service unit on XX/XX/year> at approximately XXXX. The representative advised me that they previously sent letter from their investigation unit which revealed this is a fraudulent account. Detailing issue with this fraudulent account. Note : The representative reviewed the identity theft/fraudulent charges and mentioned that XXXX XXXX XXXX XXXX XXXX, Equifax and XXXX remove the account. XXXX and XXXX deleted the account. After reviewing my XXXX and XXXX XXXX reports both have deleted XXXX XXXX off of my credit file. I sent copies of my XXXX and XXXX credit reports along with dispute letter, FTC identity report , Police department report, Picture Identification and Social security card and utility bill to Equifax several times. I have the letter to prove it and Equifax reinvestigation attempts are incomplete. Especially when the other two credit bureaus have deleted/Removed XXXX XXXX account from my credit file.
Product: Money transfer, virtual currency, or money service

Few months ago, I got hacked on Coinbase. I immediately saw that someone got into my account, changed my password. I tried getting in but they had already taken XXXX. I notified Coinbase and they offered to fix my problem and stop any transaction that was taken from me, they did tell me to go to the bank to get my account overlooked again. There was no issue with the bank and Coinbase informed that my account would be locked permanently due to the scam. 

*fast forward to XXXX XXXX I recently wanted to look at my Coinbase account and went through many verification in order to see it but when I opened my account it said I owed them {$16000.00}. I have been trying to get in touch many time with Coinbase but no one has been able to help.