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

I had went to wells Fargo because at the time I banked there checking and saving and I was trying to consolidate my high credit cards and when I sat down with someone they showed me on the computer what the interest rate would be if I accepted it and it was lower than my high interest credit cards so I went on with it. I never received any paperwork at the time they told me it would be mailed to me so once I did receive it in the mail I went over it and it was not correct, it was not what I was shown to me and agreed upon. iThe interest rate in this paperwork was higher then my credit card interest I tried to talk to someone at the bank numerous times where I was told I was given paperwork and I told them no I was told it would be mailed I received no paperwork before leaving. I ended up going into the office where they treated me horrible and told me it is what it is I ended up having to file bankruptcy because of what they did. This was 7 years ago approximately.
Product: Mortgage

In a current an Oregon Judicial Foreclosure and a new party XXXX XXXX , XXXX XXXX, inserted themselves into the case fore which they have never communicated with me before this case, as I am requesting through the attorney of record for an address for the company as well as an agent for service of process, wherefore they have no offices in the state of Oregon and he is not forth coming with the information. 

The attorney claims that they are getting their information in regards to the case from another company Ocwen, yet I have never received any communications from that company either. 

The attorney is also claiming that the Uniform Interstat Deposition and Discovery Act is not being followed, yet if I am unaware of their location, how would I know? 

Case is in XXXX County Oregon Civil Case # XXXX.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/23, I made an account-to-account deposit for {$5000.00} from my primary XXXX  to XXXX XXXX to find my new high yield savings account. As of XXXX, I still have no access to my funds as my account is being closed due to suspected fraud. I have reached out to XXXX XXXX at least 4 times via email and phone and still have no idea of when, or if, I will receive my funds. They claim that they are going to send me a {$5000.00} check but why wouldn't they return the funds electronically to the originating account if they suspect fraud?
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I believe my information was breached at the time. I ask that the items be deleted off of my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade 's Commission Identity Theft Adavit.
Product: Credit reporting or other personal consumer reports

Please review the information attached due to the data breach.
Product: Mortgage

My husband and I, have a conventional mortgage on our primary residence. We have paid all our monthly obligation on time, which includes P & I & escrow. In addition, required insurance on the property has been paid as well for the years XX/XX/XXXX- XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX ( please see policies and receipt attached ). In XX/XX/XXXX, we paid XX/XX/XXXX-XX/XX/XXXX and on XX/XX/XXXX, we paid the amount to cover XX/XX/XXXX- XX/XX/XXXX ( policy has to be renewed on or before XX/XX/XXXX.
Nevertheless, the Bank forplace an insurance policy despite we had a policy placed on time. Today, we have a XX/XX/XXXX YTD escrow account amounting to {$2700.00}, which represents 60 % of the real estate taxes we paid last year ; if this charge continues, we will pay around {$5400.00} ( 38 % more of what we paid in XX/XX/XXXX. This is an abuse since we have our insurance current and our insurance agent has provided evidence of the payments.
Product: Debt collection

I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # XXXX
Product: Mortgage

Please see attachments XXXX XXXX from Round Point Mortgage call me today asking for a copy of the missing payments and the $ XXXXcheck payment he wanted me to send him a copy of what I had. I ask him about the new money of {$21000.00} he did not give me a concrete answer only to keep referring to the missing funds it appears he was very concerned even gave me his personal phone number to call him back with the information he wanted, really sound suspect to me because when I ask him other questions about the loan he just went back to the missing checks situation. I told him he can email me like he did once before because I like to have everything in black and  white but he insisted on calling me over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX regarding an account fraudulently opened in my name and their subsequent attempt to collect money I do not owe. 

On [ XX/XX/year> ], I discovered that an account was opened in my name without my authorization. I promptly reported this to XXXX XXXX, and they conducted an investigation. After completing their review, XXXX XXXX confirmed that the account was opened fraudulently and that I was not responsible for its creation. 

Despite this determination, I was recently notified by XXXX XXXX that I owe a balance on this fraudulent account. This demand for payment is not only incorrect but also extremely distressing, as I have made it clear that I did not authorize the account and have no obligation to pay for any associated charges. 

I am concerned about the potential negative impact this situation could have on my credit score and financial standing, especially since XXXX XXXX has acknowledged the account was fraudulent. I believe their attempt to collect a debt under these circumstances is unfair and in violation of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 Ordered $ XXXX {$31000.00} Alliance one harrasment made me go to XXXX   and i got my credit XXXX.

Single dad XXXX XXXX children Oh wage garnishment
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to raise a formal dispute regarding pervasive inaccuracies within my credit report maintained and reported by you the credit reporting agency. These inaccuracies pertain to two significant issues : identity theft and the improper reporting of unauthorized credit inquiries. I firmly believe that these issues necessitate a thorough examination to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.
Product: Debt collection

Credit Corp Solutions Inc is suing me for XXXX on behalf of XXXX XXXXXXXX XXXX whom I do recognize. I just moved back to XXXX in XX/XX/XXXX. This loan agreement was supposedly sign in XXXX of XXXX which means I lived in XXXX at the time. I have received no written notification of the debt collection, no calls or emails. There was no verification of the debt and I do not know what basis I am being sued on.
Product: Credit reporting or other personal consumer reports

D

espite several attempts, the unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA a copy of the original creditors documentation on file must be provided to me, the consumer, to verify that this information is mine and is correct. I have not been provided any original documentation, consumer contract with my signature on it. This is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Also, I have not been provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under the FCRA, Section 611 ( 5 ) ( A ), the account must promptly be DELETED. If you fail to comply with federal law, I fully intent on pursuing litigation in this matter to enforce my rights under the FCRA Accounts : XXXX XXXX XXXX -- {$10000.00} -- - XX/XX/2024 XXXX XXXX XXXX -- {$20000.00} -- XX/XX/2024 XXXX  / XXXX XXXX -- {$1500.00} -- XX/XX/2024 XXXX XXXX -- - {$44.00} -- -- XX/XX/2024 XXXX XXXX XXXX -- {$700.00} -- - XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow XXXX is showing account as open while Equifax & XXXX are showing account closed. This does not meet Fcra requirements as stated in XXXX remarks & they are inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres .. for these violations.
Product: Credit card or prepaid card

I have a paypal account and was TOLD I was to receive a Debit/Credit card from PayPal and " asked '' if I wanted to opt out. If so, I had to log onto the paypal site and affirmatively decline the card. I did so, and was confirmed that I had opted out and would NOT receive a credit/debit card from Paypal. Just now I received an email from PayPal claiming that I was to receive a PayPal credit/debit card within the next few days and that if I didn't want it I had to affirmatively go on the PayPal website and close the account. How can they do this? In my research I see that they were hit with a {$25.00} XXXX dollar fine for doing this in 2015. I believe this is illegal and will adversely affect my credit rating to have to close an account which I did not consent to open in the first place. I am very angry and want this stopped. To me this is bordering on identity theft, to create a credit card without a consumer 's permission and then send it through the mail where it may get lost or stolen and be floating around out there in someone else 's pocket and I have no idea that it is even out there if I didn't pay attention to my email and see that this company had issued a credit card in my name that I didn't ask for and then I would have to affirmatively take the action of closing something as serious as a credit card account that I might not have been aware of. I thought this sort of behavior was made illegal in the XXXX. How can they get away with this? Please stop them.
Product: Debt collection

Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX XXXX Balance Owed : {$4800.00} Date Opened : XX/XX/XXXX I respectfully request that EQUIFAX resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.
Product: Credit card

I previously filed a complaint with discover on a transaction I was trying to dispute for {$100.00}. I never received the agreed upon item from the merchant. I have ample documentation but Discover never asked for documentation nor did they provide me any way to show the documentation for this transaction. 

I, in good faith, attempted to resolve the matter with the merchant and discover several times. Discover even provided documentation that the merchant never responded to their investigation and never sent any proof of the {$100.00} transaction in question. 

I would like this to be resolved and to get my {$100.00} refunded back to my card.
Product: Checking or savings account

According to a rep with XXXX XXXX, XXXX, remaining funds in XXXX account ending in XXXX sent to Wells Fargo in the amount of {$140.00} as part of a fraud claim. XXXX stated, as per instructions from Wells Fargo, any remaining funds to be sent to Wells Fargo as part of fraud claim..I reached out to a XXXX XXXX, manager with Wells Fargo executive office in re , he stated check from XXXX in that amount was rejected back, never cashed, Wells Fargo does not accept partial payments.. The fraud claim amount is {$690.00}, {$140.00} does not cover claim, rejected back to XXXX. I attempted to resolve issue with XXXX, advised him I had spoken with XXXX and was advised of the above, he claims Wells Fargo needs to change their instructions regarding fraud claim to allow funds sent to myself. .A prior CFPB complaint was filed in re against Wells Fargo XXXX rep replying on their behalf refused to take action. Most recently, I attempted to reach back out to XXXX XXXX, messages left, none returned. However, XXXX can be reached at XXXX, should Wells Fargo have questions. Complaints marked as duplicate which are not will be resubmitted here and other agencies
Product: Credit reporting or other personal consumer reports

Equifax and Transunion are playing the " don't blame us game '' and have violated FCRA knowingly by reporting innaccurate information on mine and others credit reports to deny well qualified buyer status for XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX the 2021, {$500.00} was charged to my visa XXXX card to Coinbase I did not authorize. I have tried dispute with my bank and with Coinbase and have gotten no help my bank closed my account due to complaining about this issue they have a no buying cryptocurrency policy and they still allowed this transaction to be approved. I have no idea where my {$500.00} is and why no one will help me.
Product: Credit card

synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.