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

My grandmothers purse was stolen on XXXX XXXX. Inside her purse she had her debit card & ID. My grandmothers bank account and mines are jointed in some type of way, when i created my bank account i was underage so i created mine connected to her account. The next day on XXXX XXXX i recovered a email stating my account was negative which was impossible since i havent used my card or made any type on payment/transaction i then contacted Wells Fargo and XXXX the situation the person who i spoke to stated seeing my grandmothers card being flagged as fraud. We continued with the process of disputing the transactions that were made. There was XXXX transactions XXXX. {$400.00} XXXX {$180.00} XXXX {$400.00} XXXX {$400.00} In total there was {$1300.00} that was stolen out of my bank account. The Bank then suggested we also make a police report, which my grandmother did, we provided copies of those statements etc. 
The bank told us they were going to do an investigation which can take up to XXXX business days. I recieved an email stating the investigation was complete and the case was closed. I called the bank on XXXX XXXX for an update they told I would receive my refund back in 2 days. Nothing ever showed up on my account so i decided to call on XXXX XXXX i explained the situation and asked for an estimated day of when i would recieve my refund since i truly needed the monday the person on the phone told me the case was closed, the investigation was complete and they are denying a refund. I tried to call back numerous times within the same hour asking to speak to someone who can give me an answer on what next step i should take since those transactions were unauthorized and my money was stolen, they were very rude to me telling me there is nothing i can do and they will not do anything about it is a solid denial is exactly what they said. I asked why it was denied and they told me they couldnt give me and answer due to their policy. 
I feel very lost as ive never dealt with anything like this but i feel like they are being very unprofessional they gave me false information and they did not do there job right. My situation XXXX not matter to them but i am a single mother working XXXX hours a week and it just seems very unfair the way they treated this situation, i want my money back and i want them to do something about this.
Product: Credit card or prepaid card

Hello, I am reporting Barclaycard services. I have a credit card with them for over 5+years.  The account is closed and have been making my monthly payments. My online account was locked and it is requesting my account number to reset password. I do not have my account number, and the card is destroyed as the account is closed. I called Barclay services today XX/XX/19 at XXXX to get my account number to reset password. They are telling me they are not able to give me my account number because it is on the card, and they can't issue me a new card as the account is closed so my only option is to contact them via phone and pay over phone with a fee until the card is closed. This is credit card fraud, and I will not be paying over the phone this bill and this debt will not be paid and will forgo legal charges against them for debt fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Comenity Bank/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date OpenedXXXX  Balance : {$0.00} Late/Closed Late Date XXXXXXXX XXXX  XXXX Date OpenedXXXX Balance : $ XXXXLate/Open Late Date XX/XX/21
Product: Debt collection

I have reached out to the credit bureaus as well as this company to address this matter
Product: Consumer Loan

CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.
Product: Credit reporting or other personal consumer reports

I put in a dispute, and it came back verified when I sent proof and evidence that it was in accurate information that they furnish on my consumer report
Product: Checking or savings account

I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.
Product: Student loan

My name is XXXX XXXX and I am continually being harassed by the " Student Help Center '' associated with the Department of Education on my " student loans ''. I do not have/nor did I obtain student loans in connection with my college studies. The callers have been indicating they're associated with Navient. 

The calls are typically placed from XXXX and are associated with my work phone ( XXXX ). I've placed my number on the do not call registry and have continually requested to be removed from this call log, which has not happened for over six months. 

Let me know if you have any questions, -XXXX
Product: Checking or savings account

PNC BANK SMART ACCESS IT HAS BEEN 2 1/2 YEARS NOW I HAVE BEEN TRYING TO GET MY FUNDS OUT OF MY ACCT. I HAVE BEEN GIVEN THE RUN AROUND FROM XXXX OF XXXX AND TOLD NEMOURS TIME SOMEONE WOULD CALL ME BACK AN TILL THIS DAY THEY HAVEN'T BUT IS TAKING THE XXXX MONTHLY FEE FROM MY ACCOUNT. IN XXXX I WAS TOLD TO GO TO BANK BRANCH IN SHOW MY ID AT WHICH I DID. AS OF TODAY XX/XX/XXXX THEY STILL HAVEN'T RELEASED MY MONEY. TODAY I WAS TOLD AGAIN THAT THE XXXX WOULD DO A EXLACTION ON THE ACCOUNT. THE ACCOUNT NOW HAS XXXX WHICH THEY OWE ME XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

To whom it may concern. 

I used to have an account with Wells Fargo. Back then I had a mortgage with Wells Fargo. Throughout my. Of time of being with Wells Fargo, I have filed multiple complaints with consumer financial protection bureau. I had contacted Wells Fargo number the times to assist me in my mortgage. However, over a. Of time nothing panned out to work for me with this mortgage company. Including done giving me a due date that my mortgage is due, telling me I had a Grace peroid 15 days later. That was another thing the grace. That was told was available to me, was all a lie as well. basically your mortgage payment was due on the day it was due with no grace peroid. 


Over time, I started to struggle more with this mortgage company. Because the grace. Was no such thing. This started to cause problems with my mortgage. If your payment wasn't received on the exact due date, they already consider you default it with your mortgage. Even though a grace period was offered. They never really honored their grace period. 

Wells Fargo, will start to say you are behind on your mortgage. That you already are in default. So if you try to pay them after the due date any ready considered you in default, they would not accept your payment. Even when you had your payment. And if you try to make a partial payment they still wouldn't take that either. 

Wells Fargo made my life a living XXXX. When I realized that I was going to still have problems with Wells Fargo, and there was no winning with them. I realize the best thing to do was to get rid of my house. I sold a house, thinking that was the best thing to do just to get rid of Wells Fargo. 

However, the nightmare still continues. Now that I relocated to another state completely, to start a new beginning with my family. I realize Wells Fargo still follows me into my present and future. When I try to apply for a loan or even get an apartment, I was told that Wells Fargo reported so many lates on my credit report and basically destroyed my credit report for me to get anything moving forward. I did try to reach out to Wells Fargo, as a goodwill adjustment, to remove any lates that I might have on my credit report or anything negative as well. Including XXXX removing any old accounts and to let them know this account is no longer active. So it will allow me to either get a loan or even an apartment. When I was speaking to the right, they said they would try to help me. Please also remember, in my credit report says my account is still active and they still report an old accounts.. 

after reviewing my credit report again, after the fact I went speak to Wells Fargo. Nothing was ever done on their end. Even though they said they would do it for me so I can get that loan on apartment that I needed.
Product: Credit reporting or other personal consumer reports

Date : XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Report Dispute Failure to Correct Inaccurate Information Dear Equifax Dispute Department , I am writing to dispute inaccuracies on my credit report that persist despite my previous dispute attempts. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which highlights similar issues I have personally encounterednamely, the continued reporting of incorrect information and inadequate handling of consumer disputes.

The following accounts contain inaccurate information that must be corrected : XXXX XXXX XXXX XXXX & ACCOUNT NUMBER XXXX XXXX ] [ THEY SAY I OWE {$130.00} FROM ORIGINALCREDITOR XXXX XXXX XXXX, THAT HANDED THE DEBT OVER TO THEM, BECAUSE THEY WAS DONE WITH IT... 


XXXX. XXXX XXXX XXXX XXXX  & ACCOUNT NUMBER XXXX XXXX [ THEY SAY I OWE A DEBT {$62.00} FROM ORIGINAL CREDITOR XXXX XXXX WHO THEY SAID PASSED THE DEBT DOWN TO THEM..

As you are aware, under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a thorough and reasonable investigation into consumer disputes and remove or correct any unverifiable, inaccurate, or incomplete information. The CFPBs legal action further emphasizes a pattern of failures in Equifaxs dispute resolution process, which I have also experienced firsthand.

I am requesting the following actions : 1. A proper and thorough investigation into the disputed items.

2. Written confirmation of the findings from your investigation.

3. Immediate removal or correction of any inaccurate or unverifiable information.

If Equifax fails to properly investigate and resolve these disputes, I will escalate my complaint to the CFPB, the Federal Trade Commission ( FTC ), and explore legal action to enforce my rights under the FCRA.

Please confirm receipt of this dispute and provide an update within 30 days, as required by law.
Product: Vehicle loan or lease

I am currently unemployed due to the fact I was XXXX  by my boss and my hours were cut so drastically and I no longer could deal with the fact that she was still retaliating against me and the company was failing to do anything as well as the union so there is a lawsuit against them for that so I contacted my loan servicer Citizens Bank for my auto loan I was informed that they could do a two month extension at the time and I called back today and was told that that is not allowed that is not there policy because I already had an extension earlier this year due to the same issue is listed above and the lady was extremely rude I asked for a supervisor and she transferred me back to the main menu and they will not withhold their part of the bargain where the employee told me that I would have 2 months deferment where I had to pay the interest I had already paid the interest amount and I was lied to or I would have done my best to make sure I got the payment money borrowed or done something to avoid the late report that I'm going to receive from the company on my credit next month as I have 100 % on Time payments until this
Product: Debt collection

I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. 

I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. 

On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. 

The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX  infant they put my life and my child 's life in danger. 

I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.
Product: Debt collection

This company has sent me these two different documents In response to my CFPB complain # XXXX " in the attached document shows two different companies one I have never heard of until I saw them reporting on my credit. Which means I've never contracted with this company they have nothing with my Pen-indented wet ink signature .... no contract means I owe them nothing they are violating I have disputed this account information as inaccurate ( never lived at the address ), and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax website as well as the investigation results page this is what they state prior to providing the results.
In this situation : * We request that the reporting company verify the accuracy of the information you disputed ; * We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary.
Now, if all of that is true, they would have found that the companies below have ZERO authorization from me to run my credit or place an inquiry on my file. I have even contacted several of them to see what information they had from me and they have nothing.
Not a single one of these creditors ever had any signed document nor phone authorization, nor online signature from me to perform any of these credit pulls on Equifax or any other bureau if they have done so at any time.
If Equifax had done an actual investigation or gotten any " verification '' as they say they would have removed these inquiries immediately. The following information is in regards to the inquiries that were made without my authorization or approval in any way and I demand them to be removed immediately. They are impacting my credit score and my ability to gain credit.
I appreciate your efforts in helping me resolve this problem as soon as possible.
Credit Inquiries I am Disputing and have no provided authorization for that I demand to be removed.
  XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX  : :  XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter of validation to all 3 credit bureaus and the furnisher ( XXXX XXXX ). Neither XXXX  nor XXXX   could validate this account and has since removed the account but TRANSUNION and XXXX XXXX XXXX XXXX continue to post this account.XXXX XXXX did not respond to my request but I received a letter from TransUnion stating it was verified. How could 2/3 credit bureaus not validate the account but TransUnion reports that they did validate the account without cooperation from the furnisher