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

I have an existing accout with Wells Fargo in Florida. I deposited a check from my accout in Connecticut to my Wells Fargo accout for XXXX. I transfered the money in XXXX and forgot to transfere online. This was on XX/XX/year>. I saw that it was returned on the next day and called XXXX at the XXXX XXXX branch of Wells Fargo and he told me to redeposit the check when I got it back from them. I had my son go to Wells Fargo in Connecticut on XX/XX/year> from the same account. I then recieved a call from the fraud departmnet from Wells Fargo later that day and they told me I deposited a fraudulent check that that account did not exist. They said they called XXXX XXXX XXXX XXXX  and thats what they were told. I calleXXXX XXXX XXXX XXXX and they told me there was no record of any call from Wells Fargo. Wells Fargo now has the XXXX from the same account and is till closing my account. This makes no sense to me. so I figure they are closing my accout because a am a XXXX.
Product: Credit card or prepaid card

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof. 

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Product: Mortgage

Flagstar stated in complaint # XXXX that my loan was sold to XXXX XXXX, although I accused Flagstar of retaliation for submitting a complaint to CFPB. Since XXXX XXXX has taken over we have received further abuse in this loan management with changing payment amount amounts, companies, and payment addresses. Although we have proof that all mortgage payments have been cashed by the places we were told to sent them which again has been a moving target for XXXX consecutive months and you will see that in all previous complaints, sometimes XXXX different statements instructions for the same mortgage payment month, XXXX XXXX sent us a notice of foreclosure. It wasnt until speaking with my bank that I learned Flagstar BANKS with XXXX XXXX and therefore if XXXX XXXX is a servicer to Flagstar operating under XXXX, than why is XXXX being assigned as the servicer under XXXX XXXX? FRAUD! 

This is not our first mortgage but it apparently is theirs. We are seeking legal counsel to have our loan absorbed by the courts while we pursue this legally. I have attached all the confirmations from my bank that all mortgage checks were indeed cashed by the various entities claiming to be responsible for this loan, as well as the slew of paperwork we have received since XXXX XXXX took over this loan, allegedly. 

You may refer to Case IDs XXXX, XXXX, & XXXX for all of the correspondence with XXXX and my new complaint filed against XXXX XXXX -all of which will be handed to a lawyer.
Product: Debt collection

Received letter ( attached ) marked " XXXX - XXXX '' on XX/XX/23. Called to complain. Waited a lot. Told me they can not connect me to someone who can help. They had no record of the letter. Noted last letter was mailed on XX/XX/23. I yelled a lot and apologized to the poor woman you irresponsibly put on the phone. But you need to do an actual investigation. No one I've spoken to even knows what XXXX is. They have literally investigated whether or not someone stole my card. I indicated many times to reps that no one had stole my card, and they needed to do a non-standard fraud investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXXXXXX XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
Product: Checking or savings account

For the whole month of XX/XX/XXXX, My EDD debit card account from Bank of America was having fraudulent transactions every day of the month. I never got any notification and I didn't even got my debit card and I just learned about this transaction recently this month of XX/XX/XXXX, I filed disputes and Bank of America didn't even do any investigation about the fraudulent transactions. The transactions shows that it occur at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in the state of Iowa which I can assure that I never ever been nor bought any place ticket going to that place. The transactions are obviously fraudulent yet Bank of America never conducted any proper investigation and even denied my claim automatically after I filed it via phone call.
Product: Mortgage

Wells Fargo reported I was given {$12000.00} in income to the IRS. I never received any monies from Wells Fargo. My mortgage was transferred to XXXX XXXX  by Wells Fargo In XXXX. I additionally was under bankruptcy in from XXXX until XXXX.
Product: Credit card

On XXXX of XXXX  a charge to a {$300.00} dollars secure card on my name with Capital One was transacted between XXXXXXXX XXXX XXXX and Capital One without my prior knowledge and authorization. This credit card on my name, XXXX XXXX XXXX was a secured credit card with Capitol One with a credit limit of {$300.00} dollars. The card was used as a means of identifying myself on a car rental with XXXX XXXX XXXX, and not to be used to pay the car rental. The car rental was to be covered by my car insurance company. XXXX went ahead and charged the credit card the amount of {$920.00} and Capitol One accepted the charge, going over the credit card limit by 300 % usage. I was never notified before the charge, by neither company, Enterprise Car Rental nor Capital One.
Product: Checking or savings account

I opened an online savings account on XX/XX/2023 in the amount of {$50.00}. 

This was the second savings account I have opened. 

A week later, Truist bank locked my online account access. 

I called the number provided and spoke with several people. 

They told me I would have to travel 2,000 miles from my home to close the newly opened savings account. 

RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business. 

This defeats the purpose of online banking.
Product: Credit reporting

My credit report from Experian has an address listed for me that I have never lived at nor had any association with. I would like this inaccurate information removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting to have the negative impact of a revolving account removed from my credit report. I settled this debt prior to it being seen by the court, and expected the judgement to be completely vacated. I am requesting relief as per the following circumstances... 

This account was charged off and settled. Upon waiting for an update on my credit reports, I became aware of the negative impact this account has had on my credit report, which is very concerning to me. 

In XX/XX/XXXX, I enrolled in a debt relief program with a company called XXXX XXXX. Their program was intended to help consolidate my debt and expedite my path toward returning to the XXXX credit score I'd had, and becoming debt-free. Unfortunately, I was misled. I was not informed that this company would deliberately allow my accounts to become delinquent in order to negotiate settlements with my creditors. This action severely damaged my otherwise strong credit profile. XXXX XXXX also implemented a Power of Attorney over my finances, assuming control over all communications with my creditors. 

As a result, I was disconnected from any direct communication with the company and my other creditors for over a year. This has had a profound and damaging effect on my credit profile and score. After realizing the detrimental impact of my relationship with XXXX XXXX, I terminated my involvement with them in XX/XX/XXXX. Despite their promises, they failed to act in my best interest, continuing to collect payments from me while not making payments to my creditors as agreed. 

I was discouraged by XXXX XXXX from communicating directly with my creditors or considering alternative options they may have been able to offer. I now understand that this was not in my best financial interest. Given the circumstances, I am hoping to explore potential options to address this situation and possibly correct the negative reporting on my credit profile. I am committed to working with you to find a resolution that benefits both parties. 

Thank you for your time and consideration of this request. I look forward to hearing from you and working together to resolve this matter.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Student loan

I mailed out on XX/XX/22 to Department of Education/NELN via certified mail asking for the original instrument of indebtedness in original form for the current student loan on my credit report in which they received it on XX/XX/22 and I sent a follow up on XX/XX/22 to which I received no response. They received my XX/XX/22 letter on XX/XX/22 and now its going on about 40 days since the second letter 60+ days since the first letter and I have yet to receive a response from this student loan company. It is to my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did no response within the allotted 30 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. Capital one closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by Capital One.
Product: Credit reporting or other personal consumer reports

My name is XXXX and I am writing to formally dispute several inaccuracies on my credit report maintained by Equifax. As a victim of identity theft, I have identified multiple fraudulent accounts, transactions, and inquiries that are not mine. Additionally, there is an incorrect record of a dismissed XXXX XXXXXXXX Bankruptcy, which was never completed and should not be reflected on my credit report. 

These errors have caused significant frustration and harm to my financial reputation. Your repeated failure to properly investigate disputes has been underscored by the recent {$50.00} XXXX lawsuit filed against Equifax by the CFPB, further highlighting systemic issues with compliance. 

Below is a detailed list of the fraudulent and inaccurate items I demand to be removed : Address that is not mine XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fraudulent Accounts and Charges XXXX. XXXX Account Number : XXXX Total Fraudulent Amount : {$500.00} XXXX. XXXX XXXX Bankruptcy Status : Dismissed Action : Must be removed as it is not accurate. 
XXXX. XXXX Account Number : XXXX Total Fraudulent Amount : {$12000.00} XXXX. XXXX Account Number : XXXX Total Fraudulent Amount : {$16000.00} XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Total Fraudulent Amount : {$9000.00} XXXX. XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Total Fraudulent Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Total Fraudulent Amount : {$6700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$24000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$8300.00} XXXX. XXXX XXXX  XXXX ( XXXXXXXX XXXX  XXXX ) Account Number : XXXX Total Fraudulent Amount : {$0.00} XXXX. XXXX XXXX  XXXX ( XXXX XXXX  XXXX ) Account Number : XXXX Total Fraudulent Amount : {$19000.00} XXXX. XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7500.00} Fraudulent Credit Inquiries ( Equifax ) XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Enclosures 1. Copies of my FTC Identity Theft Reports ( Report Numbers : XXXX, XXXX, XXXX ). 
2. A copy of my updated credit report reflecting the errors in question.

3. Copies of my Social Security card, drivers license, passport, and a recent utility bill to verify my identity.

4. A detailed list of fraudulent accounts, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit card account was closed due to incorrect understanding on my dispute by TRANSUNION. I had raised a request to Transunion on removing some remarks from my credit card account file number : XXXX. 

The credit card account ending with XXXX was mine. 

I recently had some unknown transactions on my credit card and I had filed complaint with XXXX XXXX XXXX and removed the transactions from my card and got my money back by filing consumer financial production ( XXXX ) And I wanted credit unions to just remove comments on High balance and increase in balance and I have clearly mentioned the same in my dispute details. 

Instead of reading my dispute comment properly or doing what I had requested. They though the account was not mine and made XXXX XXXX XXXX closed my account and I lost all my credit points on the card. 

I had called Transunion last week and asked them to fix the issue. Instead they told me to call XXXX XXXX XXXX and fix. They told XXXX XXXX XXXX will take 6 months atleast to reopen my credit card account. 

Now due to this miscommunication from transunion i cant use my credit card or apply for new one as my credit score is down.
Product: Credit card

I accidentally made a credit card payment to a closed account. I contacted the credit card company regarding the payment. They Con firmed they received the payment and stated they have up to 30 days to return the money! It 's been 38 days and 3 phone calls and still have not returned my money.
Product: Checking or savings account

I am a victim of harassment by parties who have access to my personal information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate information posted on my consumer report. 

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 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 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company and had the run arounds several times. They have been reporting A derogatory account under my name that does not belong to me. I wrote A letter requested proof of this debt. If I purchased A car they would have A signed contract matching my signature and valid debt validation. I have not done business with this company and as of today this is the only account reporting derogatory which speaks to me not owing debt. This is not my account and I did not sign any sort of agreement for A loan with this company. They have refused to respond to any of the letters I have mailed over the last few months to get this resolved.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of eetoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$XXXX}, XXXX bank balance {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX collections balance {$XXXX}, XXXX funding collections balance {$XXXX}, XXXX collections balance {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have being violated.

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 1692 C States That without previous consent from the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer n connection with collection of any debt.

Also, this company is NOT licensed and registered to operate in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the EQUIFAX and XXXX show XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my Experian credit report this morning, it stated that I had XXXX more account attached to XXXX, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX XXXX  loans, XXXX  is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. Experian definitely is having issues.