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

My name is XXXX XXXX. I am a long time banking customer with Wells Fargo. In XX/XX/XXXX my checking was compromised. I was unaware of the events and was notified but the bank via email and text message. Wells Fargo sent me a temporary debit card, deactivated my original debit card and resent me a new permanent debit card a few weeks later. In the meantime, I was advised to contact their fraud department and file a complaint. In early XX/XX/XXXX, I received a letter from Wells Fargo Investigation Department, indicating they made a decision and allowed the charges to go thru because it was determined that I either authorized the charges or I knew the persons involved. These erroneous charges were made in XXXX and when I researched the bogus company, it is apparent the company is a fraudulent entity. When the charges were made, I was in XXXX XXXX, CA for the holidays. I appealed immediately after their decision form the XXXX dollars charges and reopened the case in XX/XX/XXXX. Wells Fargo admitted the charges were fraudulent in nature, hence the reason for them shutting down my account. Nevertheless, they turned around, authorized the charges, and now they are insisting it was my fault and win my permissions. They are giving me the run around, still insisting the charges were authorized by myself, the account owner. I am attaching two letters I received this month, now stating they are doing further review. It is simply a stall tactic to avoid refunding me my money. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 to any 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

In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

I signed up with ilending direct to refinance my car for {$13000.00} and was told that I qualify for a loan with a better interest rate. I called them and was told that they could not even pull my credit due to the type of work that I am in. I XXXX XXXX and I have never missed a payment on anything. Denying to even pull my credit is discriminating against me.
Product: Debt collection

I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have thIS account removed immediately from my credit reports.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. 
I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, on my way to work, I just found out through XXXX that Equifax has allowed my information to be stolen. If only Equifax has been practicing the best methods and procedures and actions and using the best products to safely and properly guard my personal information, my personal information would still be safe and not stolen by any unauthorized person or entity. This is causing me great and undue distress in addition to my XXXX XXXX telling me that I have indications of XXXX XXXX. Now, I do not know how long will I have to be extra vigilant and more cautious about my personal information being used fraudulently. This is too much. I already have several stressors that bog and worry me, and then Equifax allowed this incident to happen.
Product: Debt collection

On XX/XX/year> Ability Recovery Service reported two accounts on my consumer report saying that I owed them XXXX dollars for a medical debt collection. The accounts number are XXXX XXXXXXXX, XXXX XXXXXXXX. They reported these accounts to XXXX and my XXXX credit report and they is on there as two different accounts as if its two different bills with the same amount on them. It is reported as a collection/charge off on both of my credit report. Their last reported dates and last active dates are wrong and also inaccurate. I have reached out to Ability Recovery Services serval times to try to get these derogatory accounts off of my consumer report. I also dispute these accounts with XXXX and XXXX they both replied back to me as these accounts was verified as accurate by them. These two company have violated 15 USC 1681i, 15 USC 1681e ( b ) .15 USC 1681g. Violation of the consumer laws has reported that the consumer is allowed up to a XXXX dollars per violation by the credit reporting company to pay the consumer for their mistake.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I attempted to take advantage of an offer by XXXX XXXX, XXXX. at XXXX XXXX on XXXX XXXX, 2018. The offer was to open a checking account online and receive a {$150.00} bonus after using the associated debit card a certain number of times. 
In looking at the accounts there are hyperlinks under each account. I clicked on each hyperlink and none of them worked - I wanted to know the rates of each account. I was able to call and obtain the rates. 
I then filled out all of my personal information on the " Step 1 : Getting started '' page of their site after I clicked on " Apply now ''. Once done ( SSN, Name, Address, DOB, and DL information ) another page " Step 2 : Personal information '' came up and stated in red letters " We 're sorry. Thank you for your interest in opening an account with XXXX XXXX, XXXX. Unfortunately, you ( not your ) response do not match our records. Please feel free to contact us at XXXX. 
I contacted them and spoke with representative named " XXXX ''. He said " oh, you must have entered something that our computer did n't like ''. What does that mean!? He could not help me further and I said " is that your final answer as I am going to contact the CFPB. He could not help me any more to open an account. I want to know why my account could not be opened.
Product: Money transfers

Someone attempted to use my western union account to transfer {$400.00} to someone named XXXX XXXX in XXXX. Western Union charges {$25.00} for the transactions. The transaction was attempted via my online account but western union sent me an email to inform me that the transaction is under review. When I logged into my account I saw that the perpetrator use a credit card and I was able to see only the last XXXX digits of the card. The last XXXX digits does not match any of my current credit card. And the address on the card is a XXXX address. I live in XXXX. I assume that the perpetrator stole my identity and open a credit card under my name. I requested that the transaction be blocked by western union. Western declined to provide me with full credit card number. I have the last XXXX digits of card number and the address that was used. I am afraid that someone stole my identity and open a credit card account under my name in order to sent fraudulent wire transfers internationally.
Product: Credit reporting or other personal consumer reports

I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.
Product: Payday loan, title loan, or personal loan

I opened a Business line of credit back in XXXX while I was employed at BB & T. The line of Credit agreement states that this line was only active for 3 years and then it matured and I would have to renew if I wanted the line still. I left Truist ( BB & T ) as an employee in XXXX because I did not agree with some of the things I saw happening to not only employees but also the customers. This line of credit matured XX/XX/XXXX. It had {$100.00} annual fee that was supposed to be charged at origination and every anniversary until maturity as it states in the loan agreement. At maturity Truist decided to charge me another {$100.00} annual fee but the line of credit was already closed. I spent over 43 hours on the phone and in branches trying to resolve this while getting hung up on numerous of times, promised calls back that never happened. I filed a complaint with the CFPB and that is when I got Truist 's attention. A lady out of GA reached out to handle the complaint. She left a response stating that I was still responsible for the annual fee that they assessed after maturity. So I was being charged 4 annual fees on a 3 year line of credit. What is not seen in her response is that she called me afterwards to say that she agreed that I should not have been charged the {$100.00} fee with the line of credit being closed. She sent out a check for the {$100.00} in the mail to me. Fast forward to XXXX. The line of credit has been closed out for over a year now. I just received a letter in the mail stating that Truist has charged yet another {$100.00} annual fee on this closed out line of credit. It also shows again that there is {$0.00} available balance. So they are charging me an annual fee on a closed line of credit that I can not even access. Sounds like XXXX XXXX XXXX all over. This is the definition of unfair and deceptive lending practices. I called into Truist and spent over 3 hours on the phone over the last several days trying to get this fixed, again. I was told supervisors were going to call me. I have been hung up on 3 times so far. I was told I need to drive to a branch to fix this but the branch says they can only refund fees up to {$75.00}. I shouldn't have to drive anywhere and waste anymore of my time. I am sending my story out to a few different attorneys that specialize in class action law suits against financial institutions. If anyone else has experienced the same issue where the bank is charging you fees on a closed loan product you should reach out to an attorney as well. Truist should be held accountable for these deceptive lending practices. Truist should change their name to I which is the only thing they stand for, themselves. There is clearly no more Trust in Truist anymore.
Product: Mortgage

I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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. 
Please remove the following items from my credit report immediately XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that your company has placed inquiries on my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Experian dropping my credit score XXXX points on a Sunday XX/XX/XXXX and informing me on the XXXX XXXX XXXXXXXX. Apparently Experian has been hacked or something. I get an email from Experian XXXX, XXXX sometimes XXXX  times a day. I read every email, I am totally obsessed with my credit score and I follow everything you say. I took out a loan at my bank to grow my credit, I double pay and I am never late. The only other thing that has changed is that I got one of the credit cards that you wanted me to get, saying that a new credit card would improve my credit score. I am making a lot more money through my job. Other than that nothing has changed! So how could my score drop? It should only go up! I called XXXX today and they told me that nothing has change with my credit and they said I am above preferred and i am in very good standing. I got off the phone with XXXX and called my bank ( XXXX XXXX ) they said I was in great standing I asked them to look and see if anything has changed on my credit report on their end and they said no! The following is what Experian sent me, indicating that it could be one of the following : You Have Late or Missing Payments This has never happened! 
You Recently Applied for a Mortgage, Loan or New Credit Card I havent and dont plan to do this! 
Your Credit Utilization Has Increased I havent done this and shows on Experians report! 
One of Your Credit Limits Decreased This hasnt happened! 
You Closed a Credit Card I havent done this! 
There Is Inaccurate Information on Your Credit Report My report is accurate I checked, my banker checked! 
Youve Experienced a Major Event Such as Foreclosure or Bankruptcy Never! 
Who is out there to watch over Experian when they mess up? This was clearly one of your bots that got the wrong info, nothing negative has changed and everything positive has happened to my credit. For my score drop XXXX point is absurd let alone XXXX points my score should improve every month. I was about to purchase a boat but now I will have to wait and see what happens with my score. This could cost me thousands of dollars in interest. I like for a real person to call me and tell me how this could have happened and what really happened.
Product: Credit card or prepaid card

On XX/XX/2018, I attempted to withdraw the sum of ( XXXX   ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX   using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for you to INVESTIGATE these items. The Fair Credit Reporting Act where it said by law, I have rights to challenge anything I am not sure is accurate.15 U.S.C . Sec. 1681i ( a ) states if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted and I have proof they are not 100 percent right and correct. 

Also, In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.- ( PROOF ATTACHED ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

PROOF ATTACHED OF ALL INACCURATE ITEMS. 

XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. U.S. DEPT OF EDXXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX