23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account
Product: Mortgage

My mortgage was sold to Mr. Cooper as of the XXXX of this XXXX. Mr. Cooper didn't have the loan set up until the XXXX. I have had nothing but problems from this company. I needed more information about paying on line with them because they push check paying by mail. I won't pay by mail. I had problems with this method before. It is easy to say that the check didn't get there on time and get those penalty funds build up. They also say they offer pay by phone and their website. Their website is a nightmare. It constantly has pop ups for new mortgages and loans which are full page ads. Yet when I try to do anything with my loan there is a banner on the left hand side of the screen blocking that side. I have tried every way to remove this banner and can't. I can't read what is behind it. I don't want to be auto pay, I don't want another loan or anything else I can't see they want me to agree on. I am not clicking on something I can't fully read on their website. I want to know about going paperless, what their provisions are for their grace period is and about their other procedures. The welcome letter I received from Mr Cooper to introduced themselves was only generalized .... don't worry we are a good company... nothing will change. I have tried numerous times to get a live chat but no one is ever available. The automated chat never knows what you are want and always winds up asking for you to enter your email and they will put you in line for a live chat agent. I have never dealt with a company that puts you in an email line to make contact with their customer services. This is substandard customer communication. I NEVER received any appointments in follow up email. I have tried going to their XXXX page but they have all commenting locked down. Messaging them on XXXX gets no reply. I have repeatedly called 3 different phone numbers given out by Mr Cooper, XXXX, XXXX, and their Executive Customer Service Team. All automated with limited selections to chose from. If you ask for customer service the automated system will say I understand you want customer service. The service then says it will take you there but it just takes you to it repeating another limited selection of choices. It always ends with them saying goodbye and hanging up on you. The Executive number is different because the automated system is a female voice that hangs up on you. I had no say and have no choice but to be stuck with derelict Mr. Cooper. I found out their whole system was attacked by ransomware a month ago. This also shows how much this company cares about it's consumers by not having protection. I would like to talk to a real customer service rep and be able to read the screen on there website. This company has shown nothing but unacceptable service to me. And I haven't made my first payment with Mr Cooper yet.
Product: Credit reporting or other personal consumer reports

I asked Equifax to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an elderly women, and lately the accounts have been taken a heavy toll on me mentally, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.
Product: Checking or savings account

I have called Chime numerous times and days since they closed my account in XXXX. I have called them XXXX  times today. They keep telling me they have limited access and wont transfer me to anybody to explain to me further into why my account was closed. Its the same thing Ive heard for months. All they say is it was due to security reasons and against their policies in their disclosure when I opened the account, and I am not eligible for a refund. There was money left in the account and they zeroed it out and are keeping the money with no explanation on how I am supposed to get my funds back. This has been going on for over XXXX months now, and I am not getting anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my Equifax credit report. 

15 U.S.C. 1681e ( b ) Accuracy of Report Credit reporting shall follow maximum accuracy. 

While comparing my Equifax and XXXX credit reports, I discovered a discrepancy regarding the date of last payment. 
XXXX XXXX Specifically, on my Equifax report, the date of last payment is listed as XX/XX/year> while on my XXXX report, the date is listed as XX/XX/year>. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my Equifax and XXXX reports for reference, discrepancies your duty pursuant 15 USC 1681.

15 USC 1681 ( A.5 ) says reinvestigations... all of the unverified information must promptly removed your system that this account was previously disputed. Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.
Product: Money transfer, virtual currency, or money service

I sent a Zelle transaction from my Navy Federal account to my Regions account. The money was taken out of my Navy Federal account but was never posted into my Regions account causing my account to be charged an overdraft fee. I called customer service and they stated that they didnt know what happened to my money & they would investigate. I never heard anything. I called back and they said that the money would be reversed in the next couple of days not I never heard anything on what happened to my money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that are incorrect : XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report AMERICAN EXPRESS Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within XXXX days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify any party who has received my credit report within the past XXXX months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I have had a bank account with Wells Fargo for the past 9 years. I recently had a client of mine send some money approximately {$52000.00} dollars to my account from XXXX for diesel generators and after trying to withdraw the money from a local branch wells fargo closed the account. I immediately spoke to my client and informed her that since I can't physically get the money out she will need to have her bank retract the swift transfer. She did so immediately and wells Fargo replied her bank in XXXX stating that I need to authorize the return of the money and that they tried to contact me to do this but I was unreachable which is COMPLETELY FALSE. They have never tried to reach me. They only sent a generic mail about closing my account. Nothing else! After freezing my account wells fargo wants to hold on to the money that isn't theirs! I want them to urgently return the money back as it belongs to a small business owner! I will be filing more reports with other agencies including CFPB today as they seem to do this often. I have read many stories of how often they do this on reddit and I have a full idea of where to report them. Attached is the response from the sending bank XXXX ( In Spanish ) after talking to wells fargo on swift. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached to this report is the email the bank sent to my client after talking to wells fargo. Its in XXXX and it says wells fargo " tried to reach me ''. I am giving my 100 % authorization now for the money to be returned
Product: Credit card

I tried to make my first payment and wasn't able to from the TD bank website. 

I was only able to view my checking balance. When I tried to login through the credit card option on your website it took me back to my business checking balance. I asked about this in person, the manager thought I wanted to change my password and cleared my phone number which made it difficult to log in to check my balance or make the payment at all. From that day, I have had trouble logging into my account ever since. I've had to make payments in-person where there's been some confusion and I have had to rely on the temperament of the person serving me to make sure my payments go through.

It is remnant of fraud because I'm not able to pay my bill on time and creates room to create a debt pitfall for me when I am able to pay without issue or login after not being able to see or pay my credit card balance. I got this card to strengthen my credit potential. I would not like my business relationship to end with this bank but I need to be able to make payments without my payments being held hostage. 

I don't want my payments and potentially my safety being in jeopardy every month I visit the bank to pay on time. I'd like to keep my relationship with this bank but I can not be left to dry with no security blanket. It's unfair to the consumer.
Product: Checking or savings account

I have a business checking and savings account, and regular accounts at Wells Fargo ; all of the accounts are connected. My checking account is XXXX years old and I opened the business accounts XXXX years ago. I was told that my accounts were protected and insured from fraud and scams because they are all connected. In XXXX, and XXXX of 2023, I was scammed out of thousands of dollars in transactions made from my debit card connected to my regular checking account. I contacted the bank to report a fraud charge I saw on the account and they shut down the card, sent a new debit card, and suggested I contact the money apps support used and the " XXXX XXXX XXXX XXXX '' and talk to security where the phone operator worked to report that he was incorrectly managing transactions and the money apps suggested this, too. 
The " XXXX XXXX XXXX '' person was also scammer and quickly funneled {$10000.00} out of my business savings account and into my other accounts, then stole the money by sending it into XXXX, XXXX, and XXXX. I called the Wells Fargo fraud line within XXXX hours to report the theft. Wells Fargo stopped payment and refunded two transactions that amounted to XXXX in my business checking account. The fraud transaction charges in the regular checking account were incorectly reported and the amounts were " consolidated '' into one amount of {$16000.00}. Then Wells Fargo stated that the charges were " Authorized '' but forced shut down on all of the accounts because of extreme " fraud '' activity. I spoke to an Escalation Fraud Representative who made a big fuss over locking the XXXX token which is ridiculous because they were forcing the accounts closed. I explained that the XXXX XXXX transfers weren't theft because the money had been sent into the account and then back out. It was the XXXX app transactions that were fraudulent. All of the XXXX transactions were added into the consolidation amount, but they weren't all fraud. Then another fraud representative who told me the accounts were closing suggested I call the fraudulent " XXXX XXXX XXXX XXXX '' AGAIN, and ask for the money back! This is what led to the {$10000.00} theft in the first place.
Product: Credit reporting

RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX, A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX The account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law Against the above named original creditor/collection agency. Should this Item not be deleted within the required time allowed by law I will seek every Legal remedy available to me and file suit against the credit bureau Responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case Without an error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

XXXX XXXX Account Number : XXXX is violating my fair credit rights according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Applied for Income Driven Repayment plan on XX/XX/2019 and I have still not received a response. Today is XX/XX/2019 and below is what I was notified on my account : Income-Driven Repayment ( IDR ) Received Hide Details We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. 

Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

New evidence connected to complaint XXXX I provided all the necessary information and packet the law requires to have this information blocked and removed. Transunion is neglecting my federally protected laws as a consumer. I gave them enough time to remove these harmful and fraudulent accounts from my consumer report. As pursuant to 15 USC 1681c-2 Block of information resulting from identity theft. Transunion was provided a copy of my ID, copy of FTC report, the items to remove, as well as a statement that this was not information relating to ANY transaction by the myself. This was not a request to because of a error. Transunion is willfully and knowingly breaking the law. My complaint was submitted on the XXXX, and it is now the XXXX. That is past the 4th day they had to block and remove the items. This is damaging my credit worthiness as well as curing mental anguish.
Product: Mortgage

On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXXXXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Checking or savings account

Not sure the date but last summer my account was frozen for XXXX when I was not aware of anything I was told to contact the people I did. With many other fees
Product: Credit reporting or other personal consumer reports

They didnt delete my accounts In accordance with the fair credit reporting act. The list of accounts below violated my federaly protected consumer rights to privacy and confidentiality under 15 use 1681 Experian, XXXX, XXXX. 
15 u.s.c1681 section 602A states I have the right to privacy.

15 u.s.c 1681 Section 604 A, section 2 states a consumer reporting agency can not furish an without. Y 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 and crimes which antidotes the report by 7 years.

I want the accounts deleted