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

I had open a checking account in XXXX, Minnesota. The account was over drawn by myself at first as I was homeless. I would pay the {$35.00} fee plus the amount of the check. The problem was a banker said the checks went in the same day within minutes but the company XXXX said it was taken by law enforcement. The checks I put in to help cover the amount was not the same as a regular checking company. So a woman from XXXX XXXX banked locally in XXXX, Minnesota and her bank check was from some other banking company she never heard of. Then people claimed I was rich online recently when I am poor. I found out in XX/XX/XXXX the bank cleared checks from " XXXX  XXXX XXXX  '' that was in my account. I also discovered that the account was all payteck fees and I was hit several times. The checks go in constantly and are bounced but I get hit with payteck like 3-4 or more times per check. Under Iowa laws it's legal but in Minnesota it's not legal. I moved to Minnesota in XXXX so I was a legal resident.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Experian regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, Experian has failed to take appropriate action.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Experian follows the necessary procedures outlined in the FDCPA to rectify this issue promptly.

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Experian has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately.

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Experian for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

So I have been trying to resolve this issue with shellpoint mortgage since back in XX/XX/XXXX when this first occurred. Back in XX/XX/XXXX I received a statement in the amount of {$390.00}. Which I paid. The following month I received a statement saying I owed {$1200.00} with a overdue payment of {$390.00}. 

I have reached out and talked to multiple agents about this with all of them confused about this issue. They told me to contact my loan officer. After getting an email back from her, she told me to email this info to XXXX They emailed me back saying they are looking into the matter. I then emailed my loan officer about a week after this with her telling me I should get something in writing a month later. Two weeks later I get a letter saying they received my request to look into this matter. Still have not heard anything beyond that. 

Every agent I have talked to has been confused about my statements and no one can not make any sense out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon I applied for a credit card with XXXX and was denied so I called for reconsideration as I have a long standing banking relationship with XXXX. After talking to a representative, I was approved for a card but was hit with an unnecessary hard inquiry as an initial one was already done when I first applied for the card. 

I am seeking to have one of the inquiries removed. 

Thank 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 Account Number : XXXX Account Name : DP OF EDUC 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: Credit reporting, credit repair services, or other personal consumer reports

THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX XXXX about a XXXX XXXX bill that was not on my credit report. I was told they were the collection company for XXXX XXXX. I asked to a pay for deletion or zero balance letter and I was told that they don't offer that. I was told the only option was to pay the bill in full. Yet after speaking with many other they told me they had the same company and they were able to get a settlement offer. The account was from a few years ago so I'm sure it was written out so I should have got a XXXX schedule for this matter
Product: Checking or savings account

To whom it may concern, I have been banking with Citi Bank for the last past seven years in XXXX California. In XXXX of XXXXXXXX I started to notice fraudulent activity with my account. It was reported to my customer service immediately and was temporarily resolved.After days I found myself locked out of my account password and user name changed. I immediately reported this activity once again, I went through numerous steps to prove my identity in person to secure my account. About a week later I was locked out once again. I was once again told to walk into a branch. On XXXX XXXX I walked in my home branch in XXXX California, I was assisted by the branch manager in which she informed me that customer service advised me to close my old account and open a new account. On and around this time I was also locked out of both my emails in which I informed the bank I think something was wrong. An Appointment was set for XXXX XXXX to open the new account and transfer funds, the opening of the new account was successful. On or around XX/XX/XXXX XXXX I was blocked from using my debit card, I then contacted my bank and to my surprised my new account was scheduled to be closed and I no reason was given, just that i should receive whatever funds in about 60days from closure of the account, and that I was not able to walk into my branch and withdraw my funds. After weeks of investigating I found out that I was a victim of identity theft. I filed a police report with the XXXX XXXX police department as well as an identity theft report with the FTC. I informed my bank of the identity theft in which they asked me to please provide the police report. I was advised to walk the report into a branch. On XX/XX/2022 I walked into my home branch in XXXX California with my Police and FTC report and submitted it. After submitting the report like requested I then called to check the status. I was given a number to Account Takeover in which I was then assigned to an investigator. Upon speaking to this investigator he was very rude, screaming and yelling as if I was at fault. I was under the impression that this issue was close to being resolved after documents were submitted. The investigator was asking me for the exact same documents that I had already submitted on XX/XX/2022. This has been by far the worst experience of my banking life. This has caused a family hardship. Citi bank has yet to resolve this issue.
Product: Mortgage

Hello, We paid for a rate lock with Wells Fargo on XX/XX/2022 in the amount of {$9700.00} for a new home that is being built. This is one day after we confirmed with Wells Fargo, via email, that the rate lock was transferable. We then communicated via email again on XX/XX/2022, with the same representative at Wells Fargo, about confirming the rate lock was transferable. In both communications we were told that the rate was in fact transferable. However, more recently on XX/XX/2022 we asked the same representative at Wells Fargo for an updated letter confirming our conditional approval for the loan ( which we already had for the new construction home ) for a different property. The representative told us that the rate we locked in with on XX/XX/2022 could not apply to an existing home, only to new construction. From the communication we have via email with the representative at Wells Fargo we where never told that the rate lock was only for new construction. The only reason we got the rate lock was to have some flexibility in case we did not more forward with purchasing the new construction home that we could purchase an existing home instead. 

We escalated this issue at Wells Fargo and actually spoke to a senior manager by the name of XXXX XXXX ( market manager for XXXX XXXX, CA ) toward the end of XXXX. He said over the phone that we were correct that none of the disclosures for the rate lock stated this product was for only new construction and this was the reason why the representative was confused and never told us. XXXX told us that he would get back to us the next day. Despite two follow-up emails it has been well over a week with no feedback from XXXX or Wells Fargo XXXX It is likely that we will proceed with the purchase of the new construction, but if an existing home comes to market between now and when the rate lock expires we would like to have that option to purchase the existing home under the terms we had locked into with at Wells Fargo. 

We do not want the money ( {$9700.00} lock fee ) back. We want Wells Fargo to honor the terms we locked into with for any home ( new or existing ) we purchase in the coming months. Also, if these disclosures are standard then how many other customers of Wells Fargo have been miss lead and not allowed to purchase the home they wanted under the terms they locked with? 

Appreciate any assistance,
Product: Checking or savings account

I got a deposit from my uncle which is a loan for my debt with XXXX bank which is {$8500.00} and my uncle sent me {$11000.00} because thats the amount of the loan you requested and key bank has put an hold on it for up to 3 weeks now and also your social security came in also and they didnt allow you to take that out also asking for a prove of the {$11000.00} why your uncle has already made contact with them and key bank stole your {$65.00} from your account why you are in quarantine
Product: Credit reporting or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit profile. That I did not give permission to be there.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to address the egregious violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights by your organization. As a diligent consumer, I have identified several discrepancies on my credit report that require immediate attention.

1. FCRA Violations : Your failure to comply with FCRA regulations, including timely response to credit disputes and freezing my account without justification, constitutes a serious breach of consumer protection laws [ 3 ].

2. Civil Liability : Under 15 US Code 1681 ( n ), there is civil liability for willful noncompliance with obtaining a consumer report under false pretenses or without a permissible purpose [ 5 ]. Similarly, 15 US Code 1692 ( k ) addresses civil liability under the Fair Debt Collection Practices Act ( FDCPA ), stating that debt collectors may not be held liable if they can demonstrate, by a preponderance of evidence, that any violation was unintentional [ 1 ] [ 2 ]. 
3. Request for Detailed Information : I demand detailed information about the items on my credit report to substantiate any claims. If XXXX can not validate these claims, they must be promptly removed or corrected to ensure the accuracy of my credit profile. 
4. Impact on Credit Score : The false information regarding inquiries on my credit report has resulted in a decrease in my credit score, further exacerbating the damage caused by XXXX 's negligence. 
5. Legal Action : In light of these violations and the harm caused, I am prepared to pursue legal action against XXXX. I seek compensation of {$1000.00} for the damages incurred due to your non-compliance with FCRA regulations and failure to uphold consumer rights. 
I expect XXXX to take immediate corrective action to rectify these issues and provide me with a comprehensive resolution. Failure to do so will leave me with no choice but to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : XXXX : Incorrect current address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect employer : XXXX XXXX Experian : Incorrect current address : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX employer : XXXX XXXX These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported.

The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information.

I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that XXXX, Experian, and XXXX comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check from my insurance company XXXX XXXX as a refund for my deductible, by law I am required to have my daughter on my auto insurance policy. XXXX XXXX issued me a check for {$1000.00} in my name and my daughters name. I submitted the signed check to Wells Fargo Bank in XXXX Ca XXXX XXXX XXXX XXXX ( XXXX ) XXXX. This check was for deposit into my account. Wells Fargo rejected the deposit, because my daughter is not on my checking account. She and I endorsed the check, so now I wait 3 to 5 business days to receive a " copy '' of that check. Why does it matter if I am making a deposit, endorsed by the both of us, that she is not on my account. I am not withdrawing money I am depositing it. Wells Fargo says she needs to be added to my account, however, with her credit rating they will not add her to my account, they tell me they will. but I have tried to add her before. I am now {$300.00} overdrawn which is why I wanted to deposit the {$1000.00} into the bank. So how much more are they going to charge me while I wait 3 to 5 business days for them to return a copy of the check. Due to a divorce my daughters credit is horrible, she can not open a checking account. She has a full time job and has had her paychecks direct deposited into my bank account for almost a year with nothing said or done about it, after all it is a deposit not a withdrawal, all of a sudden that is not allowed, so how does someone who is working and gets a pay check supposed to be able to cash a check with no account??? I understand about fraud, but the check was endorsed by both parties so why can they reject the check because she is not on the account. So here I am out of money racking up bank fees and not being able to even pay my bills. Wells Fargo is out of hand, charging outrageous fees for everything, and when I get the copy of this check and take it into the bank with my daughter to have them cash or deposit the check they will again reject this check, yet they will not add her to my account so she can deposit checks, I am XXXX years old I  receive a social security check each month, my daughter does my business for me because we are a one vehicle family and she needs the vehicle to work. We live together and I do XXXX for my grandson who is XXXX. I want this mess cleared up, as long as we both endorsed the check it should not matter who gets the deposit, this is just another way to collect fees and run my bank account dry taking all my money for the bank. Please please help me and stop Wells Fargo from taking advantage of low income people. This is ridiculous. A deposit is valid, the endorsement is valid the check is valid for deposit, should not matter who the other signer is on the check.
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also States the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B creditor may not treat a payment on a credit card account under a open end consumer plan as late for any purpose.
Product: Debt collection

I keep receiving letters I called and the manager was rude They have my social security but I do not owe XXXX anything, no debt I received the same letter in 2016 for a capital one and when I asked what was the year, they gave me a year when I was XXXX They hunged up on me
Product: Credit reporting

I started the process to Bankruptcy but I never went to court to complete the process. I did not go to court either times because I did n't want to go thru with the process. It appears twice on my credit report and I would like it removed as it is showing public record and it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed that I have a duplicate name XXXX XXXX XXXX which is inaccurate also address XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Mortgage

From XX/XX/XXXX through XX/XX/XXXX, PHH Mortgage Services was servicing the mortgage on our primary residence. During that time period, our Chapter XXXX Bankruptcy Trustee sent the equivalent of 25 monthly payments to PHH Mortgage Services. However, it appears that PHH only processed 20 of the 25 payments, which made it appear to the next mortgage servicing company that we were 5 payments in arrears.

We able to verify the above information by obtaining the payment ledgers from our Trustee and PHH Mortgage Services.
Product: Student loan

I have been a service member for over 12 years in various departments of the XXXX. I submitted my PSLF application, while I was XXXX to the XXXX XXXX, under the limited waiver more than XXXX year ago. That form was never processed. I was told time and time again to wait it out- give them time- due to unprecedented high call volume. When I returned to the United States my wife was still waiting for her form to be processed too. She received notice in XXXX and was transferred from Nelnet to XXXX so I couldnt be far behind. However, a month after she was placed with XXXX I was placed with Nelnet instead. This to my family screamed a big red flag that my application was not processed. It was only the start of the nightmare I contacted FSA Great Lakes Nelnet and XXXX all by phone and email - after waiting hours on hold each time they all just keep pointing the finger at each other. Last month I was told to contact the XXXX department at XXXX who again had no clue how or where to recover my application. How do we fix this? Because the student loan companies surely arent!
Product: Credit card or prepaid card

I've been a Capital One Customer for over 15 years. We had a charge for {$55.00} at a restaurant that we disputed. The restaurant had tried to run our credit card and it kept getting a message to call for an authorization code. Instead of going through the process for the authorization code ( which we didn't understand ) we paid cash for our meal. The charge then appeared on our credit card statement. I called to dispute the charge. They reversed the charge and said they would investigate. I called the restaurant and they said they remembered us being there and paying cash. They told me that they would not dispute the reversal of the charge. Capital One denied our dispute because we didn't have a receipt even though I told them when I called that I didn't keep a receipt. Who keeps receipts for restaurant meals?!?! I explained to Capital One that the restaurant would not dispute the charge reversal. They don't seem to care and are still charging me for the {$55.00} charge. I can afford the {$55.00}. It is really not about the amount. It is the principle of it. We paid cash. The restaurant agrees but Capital One doesn't seem to care. It's pretty disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
Product: Credit reporting, credit repair services, or other personal consumer reports

tried disputing/fixing with the company directly numerous times.

never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ).

violation of my right to privacy.