23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 XXXX 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

Spoke with NCB MANAGEMENT SERVICES in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting or other personal consumer reports

I previously distributed a fraudulent account on my personal consumer report SANTANDER who had failed to remove this account that is involved in identity theft. I notified them of this and sent a copy of my FTC REPORT which has been ignored and has affected my credit in a negative way. Please remove this account immediately! This information is also being reported to third party bureaus and is being used to verify fraudulent information as a result of this information being shared without my consent.
Product: Credit reporting

You have XXXX listings when there is only XXXX offense. Does n't it make sense to you if it is exactly the same amount and the same date that you have duplicated the offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$26000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get electricity at my home through an energy provider called XXXX XXXX. The energy provider will not give me electricity until they can check my Experian credit. I have tried the one time pin and the temporary credit freeze lift. I have repeatedly tried talking to someone at Experian and their phone system does not allow me to speak to a person. I NEED someone to help me. I would like electricity in the hottest month of the year.
Product: Credit reporting or other personal consumer reports

Equifax needs to immediately delete the negative XXXX information off of my report. Pay me the {$400.00}, a sign on bonus that I was not able to attain because I was denied the credit card I was applying for. Equifax intentionally reported FALSE information without any documentation/proof/evidence and would not remove it even after I explained that XXXX had removed the info from their report. I requested they read their owne report. All creditors are paid in full either early or on time. Obviously if there is only one company reporting I owe them money and all the other companies for many years show consistently being paid in full all the time, ( something is not right. ) Between Equifax and the useless CFPB, I was told the reporting agencies don't have to provide documentation. They both suggested I hire an attorney of which they had referrals for. CFPB said I could call congress because the make the rules that don't mandate that documentation be provided to put in your file proving the slanderous comment. Understand that Equifax sent me a XXXX page report from their investigation and did not include any documentation from XXXX of whom I was a customer on auto pay for more than XXXX years.
Product: Credit reporting or other personal consumer reports

Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the XXXX account and they put back on the XXXXXXXX XXXX account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Student loan

I am currently enrolled in the XXXX plan to pay back my student loans. Due to litigation surrounding this program, all interest on these loans is supposed to have been halted. As of XX/XX/XXXX, the total interest owed on my loans was {$2300.00}. Between XX/XX/XXXX and XX/XX/XXXX, my interest owed jumped up to {$14000.00}. The current interest balance shown reflects the amount of interest that would have accrued on these loans over the course of 1 year, but the time frame has only been XXXX month. I have called my loan servicer numerous times about this. They stated I would see my balance adjusted by XX/XX/XXXX. As of that date, no change has been made to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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, credit repair services, or other personal consumer reports

Equifax experineced a data breach. Using small print they are tricking people, victims of the breach, into arbitration.This is unacceptable. 

" Equifax is allowing people to sign up on its website for free identity theft protection and credit file monitoring following the disclosure Thursday of the data breach, which Equifax said was detected XXXX XXXX and affected 143 million consumers. 

But the credit monitoring service, through an Equifax company called Trusted ID, has a provision that limits liability to the company, and consumers who sign up for what is billed as a free service will be charged for it after a one-year trial period if they do n't call the company to cancel their subscription. 

The provisions, buried in the fine print of Trusted ID 's terms of service, added to confusion on Friday about how much help consumers are being offered. In a broader set of terms on Equifax 's website, visitors are told they must accept certain terms, including arbitration, before being permitted to register for and purchase any product from its site. 

" You also agree to be bound by this agreement by using or paying for our products or taking other actions that indicate acceptance of this agreement, '' it says. 

TrustedID 's terms also include this mandatory arbitration provision '' Source XXXX
Product: Debt collection

I paid a judgment XXXX from beneficial finance served by XXXX. this was the amount specified on he judgement from 2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
Product: Checking or savings account

XXXX XXXX My business checking, savings and personal account was hacked. They were able to wire transfer XXXX and XXXX out of our accounts. Wells Fargo bank called numerous times to clarify transactions. The Wells Fargo agent calling gave us dispute numbers and his badge number. While on the phone with me Wells Fargo was calling my spouse who also told wells Fargo agent they were fraudulent transfers. I went to the Wells Fargo in my area were I was told the agent I was speaking to was the hacker. I was told by Wells Fargo branch manager they would need 7-10 business days to investigate the fraud charges. Today XX/XX/2022 Wells Fargo denied funds to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.
Product: Checking or savings account

In XXXX of 2021, Wells Fargo bankXXXX XXXX  was negligent by carelessly allowing and approved a checking account to a fraudster ( s ) under my name and other inaccurate government issued identification by accepting and approving the criminal ( s ) application without confirming positive Identification. 
The bank also approved and opened the checking account without the required XXXX dollar opening deposit.The fraudster ( s ) made a successful fraudulent change of my legal home street address to the bank that was reported to the banks fraud dept. however Wells Fargo bank continued to keep the account open and continued to mail monthly bank statements to the fraudster ( s ) fraudulently changed street address for several months after I reported the crime to Wells Fargo Fraud dept. 
I continue to work with law enforcement agencies and take possible legal action against all parties involved if necessary. 
Wells Fargo bank was negligent and careless and I am determined to hold them and all others accountable who were allowed and successful in stealing my Identity and using it to defraud me.
Product: Money transfer, virtual currency, or money service

I was scammed out if {$510.00} on cashapp. I reported this to cashapp. I asked the scammer for a refund and they denied. I tried contacting the person but the have blocked me on social media. I have no other way of contacting them. I tried filing a claim with cashapp and they denied. I asked if I can file a claim through my bank. I run the risk of cashapp putting my account in the negative. Cashapp policy says they can reverse any charge but when you file a claim they refuse. There is no help on cashapp for people getting scammed and they would allow you to go to your bank with making your account overdrawn. This is the second time Ive complained about this practice. I need help or I need to know who to complain to. There has to be protection for consumers.
Product: Credit card

On XX/XX/23 I XXXX XXXX applied for an American Express platinum card using my social security number which is a trust account. Upon submitting my application I received a denial which I am disputing a trusting reconsideration in the following grounds. Per the indenture agreement, XXXX, and XXXX forms filed with the SEC the consumers application is a promissory note and used as security collateral and deposited for the issuance of new securities and funds. The application is a promissory note thus there is actual cash value exchanged for the services of a credit card via American Express. Regardless of the reason for the denial ( based on company policy and not Consumer Laws ) I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.
Product: Credit card or prepaid card

On XX/XX/2019 I was purchasing seats on a round-trip flight when I noticed a promotional banner ad encouraging me to sign-up for a XXXX credit card ( with a {$100.00} account credit if I used the card for the XXXX flight I was purchasing. ) I applied and was approved for the card, but when I was navigated back to the checkout page I was informed the rate / fare for the seat had increased! When I was finally able to re-confirm my seat I noticed the price of the seat had gone up by {$70.00} ( effectively negating the discount I put a hard inquiry on my credit report to get in the first place. ) This seems like complete bait-and-switch to me when the price goes up at the same time I am approved for a credit of nearly the same amount.
Product: Credit reporting or other personal consumer reports

I did not do any business with these companies and these are badly impacting my credit status.
Product: Debt collection

Radius, a debt collector that is not licensed in California, and therefore harassing me since they have no standing to collect debts in California is providing fraudulent billing allegedly from XXXX XXXX where the math does not even add up ( see attached ). The copay for preventative care is {$0.00}, yet on the billing statements, after receiving {$1400.00} included a copay check of {$7.00} from me, they claim they are owed an additional {$85.00}. This is a scam and I have reported it to the Office of the Inspector General at the Office of Personnel Management -- but in the meantime while they investigate I want this unlicensed debt collector to stop harassing me for a debt I do not owe.
Product: Student loan

I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of ID theft. And : I produced all the documents to XXXX  and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file
Product: Prepaid card

In middle of XXXX 2016 someone committed fraud on my account. XXXX says that my card was XXXX swiped in XXXX for {$330.00}. I went through thr dispute process and was granted the money back. When the fraud occured, my address was to my XXXX in california. I had just moved to XXXX, or. I was told that i can not update my address until 30 days after fraud. I tried to forward mail from my XXXX, but the replacement card that they were sending can not be forwarded. So i called over and over again to customer service to find out how to get my address updated and my card sent to new address. They gave me a fax number to fax paperwork to, I have had U S Bank branch managers send the info into the fax line amd received several confirmations that the fax was sent on multiple days, times and from different bank locations over the last 3 weeks. After 3 weeks of customer service telling me that they did not receive anything I demanded that they give me an alternate way of sending paperwork because their fax obviously does not work. They now gave me an email. I had the branch managers at the king city location send my paperwork multiple times and cardholder services still claims to have not gotten my paperwork. I have had different supervisors trying to find my information and nobody can. Supposedly the fax line is operational, and supposedly the email address is as well. If XXXX of these were operational, i should have receibed my new card by mail at least two weeks ago. Now i can not buy food for my pregnant wife, i can not buy prenatals for my XXXX wife, and i can not pay rent to keep a roof over the heads of my wife, XXXX month old son, and my new child on the way. I want my card, my money, and i want to be compensated for my losses and damages and pain and suffering.
Product: Student loan

I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.
Product: Mortgage

Our issue concerns a hail claim on XX/XX/XXXX. Our insurance company issued a check within about three weeks of a large hailstorm which did severe damage to our roof. Due to substantial damage, we arranged for a contractor to come and begin the work on XXXX-the very soonest we could get it scheduled. He performed the work and we endorsed and sent our insurance check to our mortgage company in the amount of {$45000.00}. Once they received the check, they advised us they needed some additional information regarding the repair and that once the repair was completed, we would be required to schedule an inspection with the mortgage company to ensure the work was done. The documents were signed and uploaded as soon as the work was completed - on XX/XX/XXXX and the inspection was scheduled on XXXX. Once the inspection was completed, we reached out the mortgage company, who advised us funds would be released in 5-7 business days. After no funds were released, we contacted the mortgage company who advised us that they needed the license or liability insurance from our contractor, which we sent to them on XX/XX/XXXX. Once they received this, they advised us that the 5-7 days starts over. After the 7 days, I called again, no funds released and I'm told my funds are still in process and that it would be another 3-5 days. I'm now at 11 days and no funds. The resolution team does not return my calls and I requested to speak with a manager and am told it takes 1-2 business days for a return call. Meanwhile, my contractor has not been paid as Loancare is holding 100 % of our funds in escrow. We have no idea at this point when they will release the funds but we have to pay our contractor or take out a loan to do so.
Product: Mortgage

In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money.
Product: Credit card

First off, this company 's dispute office is incompetent, and gives zero effort towards their cardholders, or their job in general. 

XX/XX/XXXX ordered a {$100.00} hoodie from a website ( XXXX XXXX XXXX ) I saw on a XXXX ad... yep, that's my bad. They advertised fast and free shipping. 

XX/XX/XXXX - XX/XX/XXXX Never received order update saying it was shipped, never received tracking number. Tried 4 different times to contact XXXX XXXX, the only way to contact them is through email, so I did that. Only ever received the same automated generic response that was completely unhelpful. 

XX/XX/XXXX Tried to dispute charge online, couldn't, had to call them and be put on hold at work. Finally got ahold of u.s. bank person to dispute, gave him in depth detail of product, order #, how I never received an item, and that after many attempts, I couldn't get ahold of the merchant, other than an automated email. 

XX/XX/XXXX I got a letter from u.s. bank that included a generic email from the merchant, it didn't say anything about them having issues and apologizing, it didn't include a tracking number, proof they shipped anything, or proof that they canceled the order, it just had my info on it, and the same description of the hoody I first gave to u.s. bank. Got online and I noticed u.s. bank credit card charged me back the full charge of the hoody, I called them asking how, they said I'd have to wait until their dispute investigation office gets ahold of me, meanwhile I reiterated my story to them. I even added how that company just recently went in and changed the order to show canceled 2 months ago. 

XX/XX/XXXX Investigation team finally calls me, rude lady says there's nothing they can do, she claims the merchants rebuttle, that had 0 proof of anything mind you, was good enough. When I told her how silly that was, she changed her story to blame me. She claimed that I needed to have written them a letter that said what I was trying to purchase, apparently the first person who took my dispute only put in hoody, which she claims it needed to be more descriptive. 

They dropped the ball, I lose {$100.00}, U.S. Bank loses a customer, and the scam merchant XXXX XXXX XXXX profits.