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

XXXX Wells Fargo took out {$4200.00} from my account for a product I did not authorize. Wells Fargo refused to give me any information on what account or where the product was. Hence I spent months researching this. On XXXX XXXX a XXXX XXXX suggested XXXX as mediation. While this number was under my asking price I agreed with it since the mediator heard me out Note nobody from Wells Fargo ever heard me out. I had about five different claims people who would not hear or just would say oh wow I didnt know that. It looks like Wells Fargo has a set amount that theyre giving people no matter what happened to them or what the circumstances are.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been in constant contact with Experian reporting agency in regards to fraudulent accounts that are being reported on my credit report. On XX/XX/2020 @ XXXX Experian received a dispute letter on my behalf in regards to several accounts listed on my credit report that were from the direct result of identity theft. I was sure to include my full name, date of birth, social security number, and a copy of drivers license along with my dispute to prevent any identity issues. I recently received a letter from Experian stating that were unable to honor my request because I wasn't able to provide sufficient identification information for them to identify my identity. I find this automated response totally unacceptable and feel this is being used as a stall tactic since I provided more than one piece of several identifying information. It makes no sense for Experian to SEND ME a letter saying they need more information to Identify me. Experian has violated my consumer rights under the Fair Credit Reporting Act section 605b, & section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for my first and only credit card with Capital One and got approved on XXXX, XXXX XXXX. After only having my card for a short period I finally got my credit report which showed that I had two open credit card accounts. I was wrongfully put on a parents credit card as an authorized user without my knowledge or consent. They did not make payments on this card which affected my credit before I ever got what I thought was my first credit card which as of XXXX, XXXX XXXX I have only had for 7 months. My authorization for the delinquent card was terminated XXXX, XXXX XXXX through Capital One. When I questioned the company about if the delinquent cards information would still affect my credit I was told they could not remove it from my credit history and that I would have to contact the credit bureau. Since having my credit card I have made 100 % of my payments on time however because the delinquent card is still in my credit history it shows my on time payments are only at 74 %. My credit is at a below average score of 523 due to no fault of my own and has impacted my life when applying for other credit cards and loans.
Product: Credit reporting or other personal consumer reports

Hello, I am having issues with the credit buraue and false information repaorting on my credit. I have been sending latters since the begining of this year and no one has helped me. I recently applied for a hoem and was denied due to my credit report. 

I have attached the letters I have been sending,
Product: Credit reporting, credit repair services, or other personal consumer reports

-XXXX XXXX  XXXX : Balance {$0.00} Opened XX/XX/XXXX -XXXX   XXXX  : Balance {$51.00} Opened XX/XX/XXXX -XXXX XXXX : Balance {$340.00} Opened XX/XX/XXXX -XXXX XXXX : XXXX  {$650.00} Opened XX/XX/XXXX -XXXX  : {$530.00} Opened XX/XX/XXXX -XXXX : {$6000.00} & {$3500.00} ( School Loan in Error ) XXXX XXXX XXXX {$0.00} Balance -XXXX XXXX {$170.00} Opened XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX {$0.00} Balance
Product: Credit reporting or other personal consumer reports

This issue has been going since 2006 I requested many times for the company to accept my dispute information they never do they send it back in the mail stating rejected so I took the time to find the ceo email and no response either I am tired of no solutions and getting no where please please help me
Product: Checking or savings account

I received a debit card in the mail through Wells Fargo yet I do not have an account with them so I called their customer service and closed the account and requested fraud alert they proceeded to close the account and navigate me to a fraud department that handles everything online not sure what that is exactly I have the confirmation code and they will be closing the account in 45 days I believe and they are sending all kinds of paperwork fraud papers and more then I read online to direct my attention here after so here I am I am going to freeze my credit after this input as well
Product: Debt collection

I have filed a dispute with the credit bureau that this is not my account and also have asked for them to send me the result of this dispute or proof showing where I opened this account and nothing has been sent to me, I just keep being ignored
Product: Credit card or prepaid card

Refused a completely entitled chargeback. 

Our flight was cancelled in XXXX. I was unable to reach XXXX for several days after this. They refused to provide details or confirmation of a proper refund. They offered a physical ( Paper ONLY ) voucher and insisted I drive to their XXXX XXXX XXXX office to pick it up. Of note, I live in XXXX and XXXX was in the MIDDLE of a pandemic as THE US hotspot for cases. When I asked for a cash refund they refused to provide any confirmation of this outside of a verbal one " call back in a month or two to check on the status ''. I initiated a charge back on my card. Chase overturned this chargeback after XXXX simply attached their user agreement with nothing else. I appealed, XXXX then apparently sent them information implying I was given a voucher, which is a lie, fraud, whatever you want to call it. I have received no communication from XXXX for months, and speaking with someone for a refund is impossible as this juncture. I am still out XXXX dollars for a flight which they cancelled and refused to give me a refund for. 

Specific to Chase itself. They provided no details as to why the issue was overturned. They simply sent me a copy of the XXXX " terms and conditions '', the DOT and FTC guaranteed that airlines must reimburse flyers for cancelled flights. Chase didn't care. Chase also failed TO INFORM ME of losing my case, they merely inserted an XXXX dollar charge onto my account. Importantly they inserted that charge ON A PAST STATEMENT. I had to look back a month in order to find this charge. 

They refuse to " reopen '' the chargeback case. I was originally told to send a secure message which I did. That message " expired '' on XX/XX/XXXX, they never reopened my case, and failed to provide me with details of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FLXXXX ; XXXX / XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, I submitted a complaint in regards to Midland Fundings failure to properly validate an alleged debt of {$380.00}. Previously I sent certified mail letter seeking answers about this alleged debt and they claim to have validated dated XX/XX/XXXXas dated on the response. In response, Midland violated my rights as a federally protected consumer. They are in violation of 15 USC 1692 B ( 5 ) which states that they shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of 15 USC 1692 B ( 2 ) which states that any debt collector not state that such consumer owes any debt.

Again through responding to a previous complaint, they have again failed to prove that this alleged debt is mine. Midland has again violated my rights as a federally protected consumer. They stated that this alleged debt that they confirmed by the seller on XXXX XXXX with the last four ssn of XXXX is indeed valid. How? Who did you interview? What person did you speak with? Pursuant to 15 USC 1681 A ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I have never consented to any contract with Midland nor did I give them permission to breach my privacy. Midland has violated a number of my rights in which each violation can result in {$1000.00} per. I am a natural consumer. This alleged debt must be deleted due to no adequate proof and the violation of my rights.
Product: Credit reporting or other personal consumer reports

Freedom mortgage company purchased my loan but didn't attach XXXX exempt form to the loan causing my loan to be reported XXXX month behind on my credit report decrease my score.
Product: Student loan

This is an escalation for my previous CFPB complaint ( ID : XXXX ) MOHELAs interim response is unacceptable. This complaint has been active long enough that additional research should not be necessary. MOHELA has had ample time to provide : A full refund confirmation & XXXX qualifying payment adjustment. 
Written proof that my XXXX status is intact and has not been negatively impacted. 

Immediate processing of my XXXX forgiveness request. 

I am requesting an immediate, substantive response, not a delay tactic. If MOHELA fails to provide real answers, I will escalate this to congressional representatives and additional legal channels. 

I am demanding that MOHELA forgive the remaining balance of my loans and clear the balance completely and remove these loans indefinitely due to the severe mishandling and illegal withdrawal during a federally issued forbearance period.
Product: Debt collection

XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX XXXX {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX {$310.00}
Product: Mortgage

Chase is my mortgage company for my home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX with PIN no. XXXX. I have an escrow account set up for this loan. On XXXX/XXXX/2015, Chase mistakenly used the money in my escrow account to pay the property tax of another property with PIN no. XXXX. In XXXX, I have received a letter to inform me that I need to pay the escrow shortage for {$8700.00}. This amount includes the amount mistakenly paid for other property 's property tax. I called Chase to get this issue resolved. They said that it would get fixed in one week. One week later, I received a letter stated that I needed to go to the XXXX County office to ask for my escrow money back. I went to the Chase back office to understand the situation. The customer service told me that I did n't need to do anything. The issue would be fixed in one week since Chase made the mistake and Chase would fix it. One week later, I checked online. Nothing happened. I went back to the Chase office. This time, the customer service informed me that I needed to go to the XXXX County to ask the money back. Chase can not do it for me. There is nothing they can do for me. I went to the XXXX County office today and the clerk informed me that if the other property owner does n't pay the property tax, they would not be able to refund me the money. This is a very frustrating situation. Chase has made the mistake and refused to fix it. I should not be the one who needs to fix the situation. Chase 's action should be considered unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian, in response to a Credit Freeze letter. The letter incorrectly identified my credit as frozen. Called the IVR and tried for almost 30 minutes to get to a human being to discuss the letter and couldn't. Finally went online, found the phone number for small business services and got to a human being in 5 minutes, who explained to me the letter was incorrect, there is no freeze on my credit. The Experian Consumer IVR is about the must unfriendly, unhelpful IVR I have ever used. Terrible. Actually wasted my time as a consumer, confused the XXXX out of me and deliberately ended with send a letter or go online. I won't use Experian 's online service because after their trial period they start charging you and I only need to use the online service once a year or something. Completely unfair and wrong to charge customers to use an online application to resolve problems experian created in the first place. Especially since the IVR drives you to use the online tool, and Experian charges for the use of the online tool after the 1st month of using it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, Equifax, and Experian for improperly re-reporting previously deleted late payments on my credit report. 

Background : I had late payments from XXXX to XXXX due to financial hardship from a flood disaster. 
I successfully requested a goodwill adjustment from XXXX XXXX XXXX XXXX, and the late payments were removed from my credit report. 
However, despite this correction, the late payments were recently re-added without notice or explanation, causing significant damage to my credit score.

Violations & Concerns : Re-insertion of Previously Deleted Information ( FCRA Violation - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The Fair Credit Reporting Act ( FCRA ) prohibits re-inserting negative items unless the furnisher provides written certification of accuracy. 
Neither XXXX XXXX XXXX XXXX nor the credit bureaus notified me before re-reporting these late payments. 
Failure to Notify Me of the Re-Insertion Under the FCRA, if a previously deleted item is reinserted, the credit bureaus must notify me in writing within 5 days of the re-reporting. 
I received no such notice from TransUnion, Equifax, or Experian. 
Unfair & Deceptive Practices The sudden re-reporting of late payments after they were previously removed is unfair and deceptive. 
This action is causing me financial harm and affecting my ability to secure a mortgage.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX XXXX XXXX XXXX BMW FINANCIAL SERVICES XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report again recently and noticed I have some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea how someone would have access to my credit report. Now because of this incident, I can not acquire new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with all 3 credit bureaus, XXXX, TransUnion and XXXX to advise the County of XXXX XXXX DCSS ( Child Support ) office the they were not reporting 100 % accurate. In addition, this account appears on my credit report as a " LOAN ''! That is totally wrong! 

CHILD SUPPORT : 15 USC CODE 1681E ( B ) & 15 USC CODE 1681I ( 5 ) FAMILY SUPPORT SERVICES DEPT Partial Acct # XXXX. Status : Open This account is in violation not reporting 100 % accurate. It lists the child support court as the furnisher. That is forgery and misleading when the courts dont report this type of account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified today ( XX/XX/XXXX ) by my credit monitoring service about a recent hard inquiry to Equifax from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never requested any type of lending from XXXX XXXX nor have I requested lending or a credit card from any other entity sine XX/XX/XXXX. I am concerned that someone XXXX have my information. I have put a freeze on my Equifax credit reports and a fraud alert.
Product: Mortgage

I am having to deal with a Forced-Placed Mortgage at XXXX XXXX XXXX From XXXX, XXXX of this year. I was not aware that XXXX was purchased by XXXX XXXX and that my home owners policy would expire during this period of XXXX XXXX buying XXXX. I have been traveling to XXXX XXXX for work and this is XXXX of the main reasons I was not aware of policy termination from XXXX XXXX XXXX 

As soon as I was made aware of Home Owners Policy Cancellation, a new Home Owners Policy was purchased on XX/XX/XXXX for {$800.00} in annual premium. I was made aware by a written notice sent by Navy Federal Credit Union in late XXXX, with a notice to have proof of Home Owners Insurance on my home by Mid XXXX, XXXX. I met Navy Federal Credit Union request and sent them by email the Home Owners Declaration Policy. I have attached Navy Federal 's email response to my email to them. Nowhere in their electronic response was there a requirement for home owners insurance extending back to XXXX, XXXX and that is in fact illegal, to purchase insurance for a date in the past, unless I am mistaken. 

How am I supposed to provide Home Owner 's coverage for a time period that has already lapsed, legally? Also, how is it that Navy Federal is charging me for a Forced-Placed Insurance policy for dates when I already have coverage on my home. As Navy Federal is not allowed to purchase insurance for a time period that is past, either. This was a charge of {$520.00} and was paid from an Escrow Account that I closed or a new Escrow Account was opened. How is this being legally done by Navy Federal Credit Union? Opening a new Escrow Account that I am responsible for or reopening a closed Escrow Account without informing me and not receiving a verbal or written authorizatikn and date to move forward with this is FRAUD. Someone specifically at Navy Federal Credit Union needs to have a notice of fraudulent activity added to their personal file and their insurance/banking license entity informed of this fraudulent act.
Product: Bank account or service

My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.