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

On XX/XX/XXXX I applied online to open a savings account with XXXX Bank. I entered the requested information in the first step of the application process and was denied and unable to advance to the second step of the application. I immediately contacted the company and spoke to a customer service agent to inquire about my denial. The agent said that based on the information I submitted in the application they were unable to open an account for me, and there was no additional information they could provide me as to why. I asked to speak to a manager, to which the agent responded there was no one available for me to speak to at that time, as managers were out of town training. After contacting XXXX and receiving a report that displayed no negative or derogatory information in my file, I called XXXX XXXX again on XX/XX/XXXX and requested to know what consumer reporting agency was used to make their decision. After saying that by law, I had a right to know, the agent said XXXX was the company they used. I've yet to receive a verbal or written reason as to what information in my application caused the denial.
Product: Checking or savings account

In the middle of XX/XX/XXXX through XXXX of XXXX, we have received multiple letters from Wells Fargo informing us about Identity theft protection accounts that were opened with our social security/names that was never communicated with us nor had our permission to open them. Just to be clear, this wasnt one or two accounts, rather, XXXX accounts between my wife and I. These accounts were opened in span of one to two-year period starting XXXX XXXX. It was a complete shocking for us to this day to find out that all these accounts were opened without our knowledge and/or consent to open and again, we have never authorized WF to open them. 
As working family of XXXX with minimum wage salary, you can imagine every cent counts and we remember sometime XXXX, XXXX, we had multiple overdrafts in our accounts that was due to monthly service fees beside actual account service fees that was made to our joint checking account and when inquired about the overdrafts at the time, we were led to believe it was an additional service that we signed up and the monthly service fees from those services made the account to go overdraft. Additionally, I remember the personal banker telling us to close the account and open a new one with the assumption that no further overdrafts will be assess on the account and that is exactly what we did. Even accepting the recommendations from the personal banker did not produce any great outcomes, and we still faced the same issues the subsequence months. Sometimes, we will have account service fees and identity theft service fees coming at ones resulting in XXXX, XXXX or even XXXX overdrafts each {$34.00} dollar. After that, we visited our local Wells Fargo branch located in XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) to speak with manager and the resolution from that meeting did not meet the required result we believe was fair with the situation and the ultimatum that was given to us was to just to close the accounts and find else were to do our banking. We insisted to find out who opened the accounts and to show us proof from account signatures and video cameras to indicate if either of us have opened the account, the manager refused and said our time here is done, please go to a different branch or call Wells Fargo customer service. We try to speak with higher authority, but that didnt result in any outcome. Fast forward, 13 years later, the same concern we had period have to came to lights and Wells Fargo is trying to connect with customers like and with intent to still make things not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is violating my consumer rights 15 USC 1681- I provided them with a signed court order vacating fraud bankruptcies filed using my personal information. LexisNexis has not deleted the bankruptcies from my file. Nor have they notified the credit reporting bureaus to have them removed the inaccurate information.
Product: Debt collection

on   XXXX   i had a   XXXX   in my   XXXX  , i went to doctor to check, but he could not know so he sent me to   XXXX   XXXX   in  XXXX  and they check everything for me and i left the hospital after about one hour then after that by one week the hospital sent me the bill for {$580.00} then i call them why did not they use my health insurnce they told me sent us copy of your insurnce because we do have it after i sent it by 2 weeks the hospital changed the bill and they sent me another bill for same service for {$1300.00} so they raise the bill because the insurnce will pay not me but that amount was deductible means that customer supposed to pay, since that time i 'm trying with hospital to pay the 1st bill but they want me to pay it {$1300.00} they want me to accept their stealing i do not know by any logic they are doing that, after that they sent me to GOLDKEY CRED ( collection agency ) to force me to pay i called goldkey to explain for them and they were nice in 1st call they told me they will help me to let he insurance pay the difference because the change in the two bills was because of the insurance and i sent them all bills but after they found me on the right and the insurance did pay any thing so they did not do anything with insurance and because the insurnce is bussiness they can not lose it may be they can get more customers so, and as you know that collection pay 10 % to hospital and they get % 90 of the bill for them so collection do not care if the creditor is right or no because collecton will use the tool to force me to pay now they reported me to credit bureau to destroy my score i do if that legal or no i have bill for {$580.00} and the hospital want to charge me for {$1300.00} and i f i complaint their fraud they sent me to collection and collection help them to destroy me or to force me t pay
Product: Mortgage

Origination dated XX/XX/XXXX - Wells Fargo did not calculate the correct amount to withhold at closing to pay property taxes. They claim to have sent a letter dated XX/XX/XXXX but I never received that. They did not follow up again until XX/XX/XXXX. Case opened in XX/XX/XXXX and not closed until XX/XX/XXXX. Wells Fargo owns the error and corrected it. 

In XX/XX/XXXX I went in forbearance - Since XX/XX/XXXX I have been trying to get off but they could not guide me properly until the origination case was resolved. I was advised multiple times not to pay anything and to continue on the forbearance. Multiple calls were made to Wells Fargo between XX/XX/XXXX and XX/XX/XXXX and never once did anyone mention that I could have been been paying into Escrow since XXXX. 

I have asked Wells Fargo to eat the escrow shortage for XXXX, XXXX and XXXX since they advised me not to come off forbearance. At this point I should be asking for the whole things since I have trusted that my lender was advising me correctly from XX/XX/XXXX and clearly that has not happened once. They so much as asked ME to provide the dates, times and representatives that I spoke to numerous times in various departments. They should have every call documented on my account to be able to see this. This is nothing but an excuse to tell me that they in fact gave me proper information. These are recorded calls!

If it was easy enough for me to switch lenders I would have already done that. The fact that I'm stuck with them or attempt to refinance with another lender after just shy of a year.

I am so disappointed with Wells Fargo. I have 2 bank accounts and a credit card with them and really though going with them for the mortgage was the best decision. The lack of consultative services is detrimental to people and they do not seem to care. I feel sorry for the people that don't want to spend months fighting with these folks. 

XXXX XXXX - VP ( executive office ) of some sort will not return our calls XXXX XXXX - AVP ( executive office ) was one of the people that advised me not to pay XXXX mortgage. She sent me to Home Preservation to defer my payments and never told me that XXXX would automatically be deferred if it was done after XXXX. So she personally put me further in the hole. 
XXXX XXXX - AVP ( executive office ) promised me he would consider my request for XXXX, XXXX, XXXX escrow payments but instead sent a lower level rep to tell me no. She had no idea of anything else that had gone on. 

Home Preservation team - they can not look at escrow and therefore cant even tell me what is due. They think my payment is XXXX but I received a letter from Wells Fargo that says XXXX. 

No one can tell me what my next payment will be. No one can tell me my options for escrow repayment. No one wants to help me anymore. 

Sadly, this is the short version of this story.
Product: Student loan

My personal and financial information wag compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and disch my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX  XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.
Product: Mortgage

On XX/XX/year>. Shellpoint mortgage credit payments to my mortgage in error {$330.00}, {$120.00} and {$50.00}. I confirmed with servicing that I did not make payments on XX/XX/year>. Shellpoint reversed payments of {$330.00}, {$150.00}, {$50.00} and additionally reversed {$330.00} and {$100.00}. I contacted Shellpoint on several occasions to inform them that they took additional amounts of {$330.00} and {$100.00} on XX/XX/year>. I requested to have the payments reallocate back to my principal balance. Shellpoint has not provided me any written response and automatic system states that investigation has been completed. This has been going on for 2 months now. I am unable to receive results.
Product: Checking or savings account

There is numerous interference with my money. Cashing checks, I was told that it is going to take a week. BMO does not allow me to set up XXXX and claiming that my cell phone number is not good for XXXX. My email is used with a different bank that they saw. BMO does not allow me to use my debit card. No explanation arrived to me email. It looks like conspiracy. The staff at the branch is not friendly and cover up each other. Do not care about the customer. BMO imprisoned thousands of my money and I was not able even to pay my rent. 

To CFPB My phone number is XXXX. Do not assist criminals, please. The phone number ending with XXXX, does not exist for XXXX  months. I already asked to delete it and change.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with the accuracy and consistency of information reported by Experian on my credit report. The problematic account in question is identified as XXXX XXXX  '' with the account number XXXX. 
I have previously disputed this account twice with Experian, once on XX/XX/2023, and again on XX/XX/2023. Each time, the dispute resulted in a verification of the account 's accuracy, despite my assertion that the reported data is inconsistent and inaccurate. 
The key issue I wish to bring to your attention is the account 's persistent inconsistencies in reporting, particularly in terms of its payment history. It is my belief that the data being reported for this account does not adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 
I have included with this complaint two copies of each dispute result for your reference, with dates clearly indicating that Experian has verified the inaccuracies and inconsistencies in reporting. Additionally, I have circled the inaccuracies on a copy of my credit report to illustrate the discrepancies in reporting.

As a conscientious consumer, I understand the importance of accurate and consistent credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system
Product: Credit reporting or other personal consumer reports

I have continuously disputed the following accounts which occurred due to the Equifax Data Breach. XXXX XXXX  ( not mine/identity theft ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. Equifax still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the Equifax Data Breach.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account XXXX XXXX XXXX XXXX, account XXXX XXXXt # XXXX, ccount XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I filed a dispute with Bank of America for fraudulent charges on my account from a company that I had not opened an account with. The account was opened fraudulently by an ex that stole my routing and account number to open a new credit account at a XXXX XXXX XXXX store that his friend worked for and helped him open the account. None of the dates on the paperwork from the company where the account was opened match up. My ex even used his debit card to make the down payment and his email address so I would not know anything about the account. Then my checking account was electronically debited repeatedly for the monthly payment. After filing my dispute with Bank of America I was notified that they investigated it and that it was not a fraudulent account because of an electronically taken signature stating my name. They didnt even want to accept any of the documents of proof that I had. Nor did they care that I already had proof through credit reporting agencies that my had indeed opened other fraudulent accounts that were recently taken off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the collection Company is Dynamic Recovery Solut. The amount stated is XXXX ; opened XX/XX/2022 ; reported XX/XX/2022. There was no response within the 30 day window however it's still on my credit report I've sent letters to dynamic recovery solut and also XXXX. According to the fair credit reporting act this account is a breach of Hippa guidelines and regulations ; yet, The erroneous information remains on my report. The company has not responded at all however XXXX  sent me an online notification even though in my letter I specifically stated that all correspondence should be sent by Mail as I'm keeping a detailed record of when I sent the letters in order to hold them accountable. They have not responded by mail and it has been past the 30 days. The company has not responded either I sent them a letter stating that they were breaching my consumer rights ; I.e., HIPAA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, XXXX, transunion and have also disputed this collection account by the name of the bureaus online and have not been able to delete this account which i have no knowledge of or no contract with. This account The Bureaus has multiple errors reporting as well which ive stated to them before
Product: Bank account or service

I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
Product: Payday loan, title loan, or personal loan

Before covid hit some time around XXXX I think it was summer, they were taking {$100.00} out of my account, this payment system happened for a few months 2-4. Then for some reason the payment stop taking from my account, not sure why. So I didn't think much of it, now my getting calls all the time, XX/XX/XXXX around XXXX XXXX that called my job to collect, luckily I answered the phone, I told them not to call my work again. XX/XX/XXXX I get a call on my cell this time at XXXX during my office 's covid testing time. I told them repeatedly I was at work, they kept me on the line. Not only did I get in trouble, they said they'll call my job again if I don't pick up the phone, the next day. In just 2 days my work life has been miserable, between my co-workers gossiping or bullying me about the calls, getting in trouble for the calls happening during work. Which is making my XXXX worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX  Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI CAPITAL AMERICA Account Name HYUNDAI CAPITAL AMERICA Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.