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

This is my second complaint against Wells Fargo. I tried to perform a wire transfer to XXXX on XX/XX/2021. I received a call later that day from the fraud department stating they called the sender and she told them the wire was fraudulent and she was going to recall the wire. And my account was being closed. The wire has never been recalled. Wells Fargo received a call from the sending bank and the sending bank told them the wire was not fraudulent. Wells Fargo told them they realized the wire was not fraudulent but they had " issues '' with me. The owner of the company who sent wire reached out to Wells Fargo and told them the wire was not fraudulent. Wells Fargo told his attorneys they had " issues '' with me. I was sent a letter by an XXXX XXXX asking did I dispute what the sender initially said about the wire. I went into the branch I normally do business and disputed what the sender said. I provide supporting documentation on this transaction and other transactions prior to any funds going into my account.
Product: Debt collection

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Hello and Good Day I reached out to Experian credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} Experian has not XXXX Attached are copies of disputes letters that I have sent out as well as a copies of my fraud report ( I have sent 3 rounds of copies and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. None of the reporting agencies have done their job under the Fair Credit Report act ( all they responded saying was that XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

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

I disputed an account, it was removed from all the other credit reports except for transunion. I received verbal confirmation that it had been removed from XXXX XXXX XXXX on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to transunion the debt collection agency, the original creditor is still reporting the account as unpaid and open to transunion. I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( XXXX  ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

XXXX XXXX XXXX XXXX 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX Transunion said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to transunion to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated onXX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 A loan was approved and funded in my name but I did not apply for it through XXXX XXXX XXXX in the amount of {$1300.00}. I have had issues of hard inquiries and attempts to have other loans taken out in my name as well. I discovered that the funds were placed into an account with XXXXXXXX XXXX XXXX  but I do not have an account there in my name. XXXX XXXX XXXX contacted me on XX/XX/2024 stating that I now owes them {$8300.00} due to the interest charged.
Product: Mortgage

In XX/XX/XXXX, I opened a HELOC with Citizens Bank in the amount of {$140000.00}. In XX/XX/XXXX, I paid off the HELOC in full, leaving a XXXX balance. I mistakenly believed that would close the loan. 

Unknown to me, as I wasnt tracking the XXXX-balance account, XXXX maintenance fees of {$50.00} each were charged in XX/XX/XXXX and in XX/XX/XXXX ( I believe, I no longer have access to the account files ). 

In XX/XX/XXXX, I was notified by mail that this HELOC was suspended because I had significant delinquencies, defaults, foreclosures or bankruptcies, none of which was true. Worse, Citizens Bank reported these delinquencies to all three credit bureaus. 

I tried to dispute the claim that the account was delinquent, and I paid the {$100.00} in fees. After confirming that my credit scores were annihilated, I opened a dispute with the bank, requesting them to look at the facts, and rescind their notification to the credit bureaus. I exhausted that process, and was told the case was closed. My credit score is now at or slightly above sub-prime, and will be for the next XXXX years, all for {$100.00}.
Product: Mortgage

I recently reapplied for mortgage assistance this month. I was denied because Chase said that I was offered 2 trial payments, which I did not accept. First, I made and completed the trial payment of {$500.00} during XXXX to XXXX. I was told that I would be locked in at that payment. However, every time I called Chase I was told to reapply and reapply and that documents were missing. This nonsense went on for some time. Over the years, I have been wrongfully denied modifications. After I contacted Consumer Financial i believe in XXXX, Chase fictiously created a trial payment plan to cover their tracks. In XXXX, I think, I was given an outrageous modification plan that I could not afford. Around XXXX of this year, my relationship manager, XXXX XXXX, told me to reapply with my new income since I was now working. I was denied this month and I called to speak with the ReApp team. One guy told me that the investor which was FHA said no to the modification request. I asked him for a contact number so I could speak with someone directly. He gave me the number on the Website, which doesn't offer any information. After having to research a number on my own, I spoke with a rep from the Service Center. I told him that I would like options to leave the house and I was told by the lender to speak with FHA because Chase indicated that FHA made the deciding decision. The FHA representative told me to call Chase back and ask for them to consider me for options that involve leaving the home such as short sale and deed in lieu. The rep also said I should consider selling the home myself. When I called back, I was told that since I was recently denied this month and no change in circumstances, I don't qualify for a new application. I tried to tell her that FHA said to consider me for other options. I was then transferred to Escalation Team who reached out again on my behalf. The decision was the same. As I stated in numerous complaints against Chase, Chase has lied many times over. Now, Chase is using a fictious trial payment against me. I completed 1 trial payment successfully. I think I deserve an extension of my foreclosure so that I can explore short sale or deed in lieu. I would like to leave this property.
Product: Money transfer, virtual currency, or money service

On XXXX I attempted attempted to transfer money from my Capital One bank account into my XXXX account in the amount of {$150.00}. At the time I was logged in to my XXXX account so I typed my name in the search drop down box and selected it. I processed the transaction but I noticed my XXXX account did not immediately fund as it should have. I called XXXX 's customer service right away. The representative I spoke with asked me did I key in my email address along with my name in the drop down when I made my deposit. I responded no, she said that's the problem! Let me see if I can locate where your money went. She placed me on hold, after a few minutes she returned to line asking if a XXXX account title XXXX was my account? I responded no, she said that's the account that received your money. She then said unfortunately there's nothing I can do to help you get your money from this account holder. XXXX doesn't have the authority to reverse transactions that done person to person. Your only recourse is we can try to contact the account holder ask them to send the money back too you. The other is to have your bank do a chargeback stating this transaction was done in error the funds did not go into their account holder 's account. She said a chargeback would be the best and quickest way to retrieve my money back. She also stated that she would send the account that received my money a email and letter stating they received the deposit in error please send it back to sender. She also told me she didn't think the letters would be effective because the account appeared to be dormant so the account holder would probably never have any knowledge of this activity. So the chargeback was really my only recourse. I called Capital One immediately of course at that time there was real nothing that could be done because the transaction had not posted against my account yet. I did speak a customer service representative at bank she said she would notitate my account file so when I called back after the transaction posted I wouldn't have to repeat all the details again. Capital One initially refused to do the chargeback because they said I wanted the transaction to post the way it did. I filed a complaint they gave me provisional credit after months fighting to have a chargeback filed. They filed it and XXXX denied it! I had it refused and both institutions are violating my protection rights, the are violating electronic funds transfer regulations and other governmental regulations. XXXX even has in house regulation that says if funds are not claimed by the recipient they are too be returned to sender. XXXX should have sent me my money back over 45days ago. Instead they are allowing them to be titled in a dormant account. I can only imagine how they fattening their bottom line by using this technique.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Product: Credit card

I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at SOUTHWEST CREDIT SYSTE on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX An auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX XXXX under the account number ( 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 these items 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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 

154 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 my 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: Student loan

On XX/XX/XXXX I made a {$35.00} payment towards my XXXX XXXX XXXX in order to make the new balance {$4300.00} even. On the XXXX of XXXX, my Credit union ( XXXX ) CLEARED the payment from my account. Account XXXX XXXXXXXX, Transaction ID XXXX XXXX. As of today, XXXX XX/XX/XXXX, NELNET still has not issued the credit to my balance. I have contacted them multiple times, they claim the bank did not process the transfer. The bank has twice confirmed they made the payment. I have requested from NELNET the contact information for their regulatory agency and legal department, they refused to provide either. I can not trust electronic payment system at this time and have notified them that no further payments will be made until this payment is credited. They insist the issue is with my bank and I need to make the payment again. The account with NELNET is on Covid pause so it is not gathering interest, at this time. But {$35.00} is still {$35.00} cents, and NELNET has a history of not properly managing my student loan accounts. 

I am attaching written letters sent USPS, I have several emails between myself and them and my financial institution as well as two phone calls. 

An internet search provided your information as the Federal Regulating Authority.
Product: Credit reporting or other personal consumer reports

I have contacted this company by phone on at least 4 separate occasions, unfortunately, never writing down dates. I was told that at 1st that the debt was too old & had been charged off ; that I could no longer pay this off. That it would stay on my credit for 7 years ; there was nothing I could do about it, & that I would get a 1099. On the 2nd phone call, XXXX finally said he would put a request in for it to be forgiven. On the 3rd phone call, I was told by XXXX that it had been forgiven on XX/XX/year> & had been reported to all the credit bureaus. That it would take 15 days to show. Even though it was past that time. I told her that it was still showing that I owed {$690.00} ( the total balance ). She said yes, because that was what was on the 1099. I said that I had paid all my other creditors for less than the amount owed & it shows that I owe a XXXX balance. She says everyone reports differently. On the 4th call, I talked to XXXX. I told her that there is a remark removed that said " variable/adjustable rate '' & that it dropped my credit on XXXX by XXXX points. She argued for quite awhile that it was not them. I told her that it would be illegal for XXXX to change the report. Finally, she said it was because they had forgiven the loan. I said they are hurting me, not helping me. I have told them each & every phone call that the only reason that I have not been able to pay them is because my husband was XXXX XXXX XXXX XXXX XXXX XXXX. All we could afford was medical bills. He XXXX XXXX XXXX XXXX of this year & my housing is really bad. XXXX XXXX was supposed to pull my credit on XXXX XXXX. to try & help me. I am going to have to postpone this now. This creditor is the last one I have left to work with. Have been dealing with them for 3 months. Have never received a 1099 either.