23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXXXXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
XXXX. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
XXXX. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX including formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.
Product: Credit reporting or other personal consumer reports

Equifax is still not reporting my accurate credit due to not including my petal card on the report. It is XXXX points lower than the other XXXX reporting agencies. They were reporting my petal card and it fell off their list for me and hasnt returned causing a massive drop in my score. They need to restore reporting on that card and posting an accurate credit score.
Product: Debt collection

Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life! 

Yet in there response to you, complaint number XXXX, instead of XXXX XXXX  like it says in the credit report, they now refer to XXXX, instead of XXXX They have now changed there story!! Regardless, I have never been late to XXXX!!! In fact, I still have accounts with XXXX, and all my bills are current!!! Why would they give me service, if they claim I owe them money on some other account!? 

I have never received any bills from the account they say I owe. In there response to you, they said they will send the response from their client " to the address on file ''. I will never see it because they do not have my address, and like I said I never got any bill related to this! Then she says we can call her, which we have tried to do in the past, but she does not respond!
Product: Mortgage

I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS EXPERIAN IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Product: Checking or savings account

On XX/XX/XXXX I logged into my SunTrust account and noticed a charge to XXXX for {$1300.00}. I immediately got in touch with XXXX and found out that someone hacked into my account, ordered an XXXX  computer and was having it shipped to Texas. I was able to get with XXXX and they were able to stop the order before it was sent to Texas. They emailed me saying that an unauthorized charge had occurred and that they have locked my account, deleted everything with the order and to disregard any order emails that may come through. They said my bankcard with Suntrust was charged {$1300.00}, and that I will need to dispute this with Suntrust. Once this is done they would then charge back the merchant. They said the refund would not come from XXXX. I'm attaching the email from XXXX that references this information, as well as another screen shot on XXXX. On the screen shot, if you type in the order number, it says " this was an unauthorized order and has been deleted from your account. We have sent you an email with the details ''. I disputed this charge on XX/XX/XXXX and I received an temporary credit while they investigated. A few weeks later I received a letter saying my dispute was denied and I will be charged the {$1300.00} in two days. No proof was give, but they said I can request documentation. I immediately contracted Suntrust bank and let them know. They said I would have to fill out a rebuttal form, which took them two days to email to me. I immediately filled it out and faxed with the emails from XXXX and the screen shot I'm attaching. I spoke with Supervisior at Suntrust and she noted everything on my file and said it should be cleared up quickly and that I also wanted proof of the denial. I have never received anything from them except headaches and wasted time on the phone. I told the Supervisor that I would give them until Monday XXXX of XXXX to either apply another temporary credit while they investigate or provide proof of the denial. Otherwise I would be filing a compliant. I gave them two extra days and with no response from them, so I wish to file a compliant against them. Please let me know if you need anything else from me. 

Sincerely, XXXX XXXX
Product: Student loan

I attended the school and couldn't afford to keep going I dropped out of the school before the next semestar began and did the exit review in their financial aid office to not allow more money to be taken out for a loan. But, they took out the money anyway for the next semester and they are now not even contacting me to get this resolved. I have called them over five times and every time i called they were in a meeting which was their excuse. I even went to the school office and they did nothing either saying the same answer the person i need to speak to is in a meeting or on lunch etc. They sent this over to a collection agency even though they told me that I wouldn't get charged for the next semester. This is fraud and further ruining my credit.
Product: Debt collection

I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.
Product: Prepaid card

I have {$41.00} tied up in XXXX American Express XXXX cards that I'm unable to use anywhere. I've tried using online, through a digital wallet ( XXXX XXXX ) and brick & motar and each time the cards are declined. When I called customer service, they acknowledged that there was a balance on each and that they should be accepted wherever American Express cards are accepted. This is clearly not the case.
Product: Checking or savings account

The company, XXXX, offered me a {$300.00} credit to try their advertising. 

Then they took {$110.00} from my checking account during the trial period. 

I haven't used XXXX before and only signed-up to see if they were any good. 

I got three leads that were garbage. They seemed to be automated spam and not from humans. 

Then when I saw XXXX had removed funds I decided to close my account, which I did. 

I contacted XXXX via their chat feature, but was " serviced '' by a chatbot. I requested to be transferred to a human, but never was. 

At that point I decided to take the matter up with my bank, Citizens Bank. 

Citizen 's Bank said that they could not prevent further charges unless I cancelled my debit card. I asked them to block only XXXX, but they advised me that they couldn't. 

XXXX claimed that because it did not involve a recurring transaction... they couldn't because it wasn't recurring.
Product: Bank account or service

I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.
Product: Credit card

Made a fraud claim with synchrony bank and on XX/XX/XXXX i received an email stating the claim completes and i was not approved due to an item being shipped to my house. On the emails i provided below, there are both electronic services, and physical items, the physical items i received at XXXX XXXX and was emailed the conformations, another email that has no affiliation with me was also emailed these things including the activations for the electronic software. On XX/XX/XXXX i had phone calls with both synchrony bank and XXXXXXXX XXXX where i made the fraud dispute and a refund for the physical items. i can provide more given time, most is printed out and i will see about talking to a lawyer as well.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX  Handling of Dispute and Violations of the Fair Credit Reporting Act ( FCRA ) Company Name : XXXX and Westlake Financial Issue Description : I am filing this complaint to address XXXX  inadequate handling of a dispute I submitted on XX/XX/year> concerning an inaccurate account reported by Westlake Financial Services ( Account starting with XXXX ). 

Within less than 24 hours of submitting my dispute, I received a response from XXXX stating, The incorrect account with WESTLAKE FINANCIAL SVCS has not been changed and will remain on your credit report. This response was issued without providing evidence of a thorough investigation or the method of verification, as required under the Fair Credit Reporting Act ( FCRA ). 

This account should be investigated for the following reasons : 1. Account Inaccuracy : The account is inaccurately reported as a charge-off on my credit report.

I have not received a 1099-C form for canceled debt, raising concerns about the legitimacy of the charge-off reporting.

Without proper cancellation or forgiveness of the debt, this charge-off inaccurately impacts my credit report.

2. Failure to Conduct a Fair Investigation : XXXX decision to resolve the dispute in less than 24 hours suggests that the investigation did not meet FCRA standards. 
XXXX failed to provide the method of verification or confirm that Westlake Financial Services was contacted to validate the accuracy of the reported information. 
3. Misleading and Deceptive Practices by Westlake Financial : Westlake Financial frequently used phone numbers with my area code, creating the false impression that calls were from a local contact.

Representatives from Westlake Financial falsely claimed I could stop the repossession of my vehicle and retrieve it by making a payment, even after the vehicle had been sold at auction. These actions caused confusion, distress, and financial harm. 

Impact : The inaccurate reporting of this account and XXXX failure to conduct a proper dispute investigation have negatively affected my credit score and financial standing. Additionally, the misleading practices of Westlake Financial caused unnecessary stress and financial hardship.

Desired Resolution : Immediate deletion of the Westlake Financial account from my credit report. 
A full investigation into XXXX dispute resolution process and Westlake Financials reporting practices.

Written acknowledgment of errors and assurances that such issues will not occur in the future. 
Appropriate remedies for damages caused by the inaccurate reporting and unfair practices. 

I respectfully request that the CFPB address this complaint promptly and ensure that my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by XXXX. The account FA - LENDING USA XXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, FA - LENDING USA has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from XXXX, Equifax and XXXX credit bureaus.
Product: Checking or savings account

Several months ago after I woke up to a theft of my money in my bank account where a thief got a hold of my debit card number and illegally purchased something on XXXX. I called XXXX and XXXX would not stop the transaction, would not give me my money back, would not tell me what was purchased, would not tell me who purchased it, would not email me the transaction, would not post anything about the purchase on my app or website account for me to see what happened. XXXX helps the major thief assisting the thief therefore aiding and abetting and I want to sue XXXX.
Product: Mortgage

We have tried to fix the problem first with Ocwen Loan Servicing now PHH We applied for a Loan Modification and was approved, and accepted with the understanding that we did not want a Ballon Payment at the end of the Loan.

I have gone through this two times with Ocwen. I received an offer that I decided to take from Ocwen just before the transfer to Ocwen 's new company name PHH. I have tried to get PHH to understand and even faxed to them the offer that Ocwen made to me before the transfer.

I sincerely hope that you can help us make sense out of what is going on with our account now that it is with PHH who claim they have nothing concerning the Modification offer that we decided to take. We don't want to be in foreclosure.

Please help us.

Thank You
Product: Debt collection

XXXX XXXX XXXX and GLA have failed to bill medicare or send me any billing statements in a timely manner. XXXX XXXX XXXX failed to bill medicare at all and refused to remove bill from collections. I have recieved no written or otherwise notifactions from GLA. There is no contact information for GLA. The only reason I am aware of this issue is because it appeared on my credit report. Which I have disputed and XXXX has failed to remove it. As a senior on a fixed income I expect medicare to be billed and the medical care system to work the way it was intended and not bleed people dry on medical bills they arent even aware of.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX my cash app account was charged twice in the amount of XXXX from XXXX XXXX XXXX. That next morning I disputed this charge as fraud and cash app denied my dispute now my account is XXXX overdraft with these fraudulent charges. In an attempt to call XXXX XXXX I found no number.
Product: Vehicle loan or lease

Purchased a car XX/XX/XXXX and paid XXXX down today XX/XX/XXXX XXXX weeks from the date I ca n't drive the car and they told me to make a payment with out recourse and I am supposed to have a warranty on the vehicle. I have a recorded conversation with the salesman.
Product: Student loan

InXX/XX/XXXX, I received loans for my online graduate program at XXXX XXXX XXXX. Two loans for {$10000.00} each. 
Since then, I received XXXX Forgiveness in the amount of {$17000.00} and another forgiveness amount of about {$9000.00}. I have also been paying monthly around {$500.00}. 

I looked at my statement today to see how many more payments I have left, only to see that I have a {$20000.00} balance. I looked at the history of my loan with Navient ( my original loans were with Sallie Mae and they transferred the balance to Navient ) and I saw 4 disbursement amounts : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$48000.00} XX/XX/XXXX {$21000.00} The XXXX amount are not mine. I don't know where they came from. I called Navient to inquire about the matter and was left on hold. I also emailed them to no avail as of yet. 

Please look into this matter, as I don't want this fraudulent activity to occur for anyone else, and I also want to be reibursed for this. 

XXXX XXXX
Product: Checking or savings account

in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.