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

I've already complained about the issue that led up to this but now Wells Fargo is reporting wrong information to XXXX  and my other bank about debit card claims they investigated and found in my favor then decided to reverse. They're apparently reporting this as fraud and screwing up everything I have on top of me now owing them money that I shouldn't owe. They're basically saying they lie about actually investigating anything by doing this. Big surprise another shady move by WF.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX Transunion XXXX XXXXXXXX XXXX XXXX  XX/XX/year> {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where expertise has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my right as a consumer.
Product: Debt collection

I have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -
Product: Debt collection

Sequium assest solutions has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account XXXX under the email address Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account, under the email address XXXX. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.

The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.
Product: Credit card or prepaid card

On XX/XX/2020 I fled for unemployment. By the information, my card was mailed on the XXXX. The date now is XX/XX/2020 and I have yet to receive a card. All contact numbers are automated and don't give the option to speak to a rep to issue a new card. From the Alabama Department of Labor first regave the number, I had already tried. Then suggest cfpb.gov
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX data breach my personal information was compromised credit cards where applied for in my name and sent to an address Ive never been associated with the only address should be on my account is XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Debt collection

I have been contacted by a debt collector, Resurgent Capital Services ( RCS ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and RCS sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because RCS has not sent me valid proof that this debt is mine, it should be removed from my credit report.
Product: Checking or savings account

Hi, on XXXX XXXX I attempted to use the ATM located at XXXX XXXX XXXX XXXX, TN XXXX. 

I bank with Chime aka Stride bank phone number and attempted to pull {$200.00} off my debit account, and the ATM was stuck at the processing screen. I asked the clerk at the store if the ATM was working properly, and he advised that it was slow sometimes. 

The ATM then ejected my card, and no funds were dispensed to me, I attempted again not knowing that the transaction went through my account and the second transaction was successful and I was able to get the {$200.00}. 

The problem was I had two charges on my account. I contacted Chime at phone # XXXX on XX/XX/23 and was advised that the charge would have to settle before they could start the dispute. 

I also tried to contact the ATM company that is XXXX XXXX at phone number XXXX and their office was closed they are open M-F XXXX. 

On XXXX The charge was no longer pending and I was able to start my claim with Chime, at phone number Chime then denied my dispute on XX/XX/23 without ever starting an EFT protocol with the ATM provider. 

Since the date above, Chime keeps requesting more documentation for them to investigate my claim, I am now on rebuttal # XXXX with them and they have yet to follow protocol by law. They continue to deny my dispute and will not help me to get my funds back. 

Chime has not done what they are supposed to do and they continue to deny my rebuttals. I did not receive these funds and I just want my dispute to be handled correctly. Thank you for your time!
Product: Credit card or prepaid card

On XX/XX/XXXX, I inquired of Self, Inc. ( formerly Self Financial ) if my secured card ( at a zero balance ) could be converted to an unsecured card as my credit score had improved significantly. I was informed that Self does not have unsecured cards. As I no longer have a need for a secured card, I made the decision to accept the ding on my credit for an account closure and on XX/XX/XXXX I requested closure of my secured Self card and a refund of my deposit ( {$270.00} ) and received no reply or response. According to the information on Self 's own website, I would receive my refund at my bank account on file. On XX/XX/XXXX I requested the same and again no response. 

On XX/XX/XXXX I was assured by not one but two Self representatives that " the check was in the mail '' ( see attached ). Neither answered my questions of why the funds weren't transferred to my bank account and why I've been forced to request this over and over again. 

Needless to say, I received no check or bank transfer. I've verified repeatedly that both my bank account and my address are correct and unchanged since opening the account. 

I've now confirmed the account is indeed closed and have suffered the expected hit on my credit, but not received the benefit of my refund. 

On XX/XX/XXXX, I again reached out to Self. This time I was promised that the alleged check would be cancelled and I would receive a bank transfer within 2-3 days ( see attached ). As of yesterday, 3 business days has passed and still no refund. I am beyond frustrated at this point and continuing to receive the runaround. 

I've tried literally for two months to assume good intentions of this company but I now have no choice but to assume this is fraud on their part. I cringe thinking of the number of people who either give up on their refunds or flat out forget during these troubling times. 

This can't possibly be a large sum of money to this company, but it is to me. Especially at XXXX time. 

Thank you in advance for any assistance you can provide. 

**I 've tried several times to attach supporting documents but that feature does not appear to be working. The docs are available upon request
Product: Credit reporting

Agency to report Equifax- the problem is not with the statement but with the process they have for the investigation. It is persecutory of the disputee. 

I have had regular of problems with Equifax Credit Report Bureau. They consistently have the wrong information & I have opened several disputes. Initially my mortgage account was listed as closed in my report summary although it showed payments were made. I initiated a dispute and it has led to a yoyo affect on my score. I believe it negatively impacted my ability to get a 'low score no problem ' personal loan. 

My main concern is with the inconsistency of my score. I found out today that when you open a dispute that item is removed from the calculation of your score, so while in the 30day 'investigation ' period your score can be negatively impacted. My score went from a XXXX something to a XXXX something XXXX when my score was in the XXXX 's I applied for a loan & made inquires about refi loans - the score plummeted in the middle of this applications & inquiries XXXX & back to a XXXX something in a month. I believe once my initial dispute was resolved I noticed that my address information on my mortgage account was incorrect, so I opened another dispute which brought my score back down again. 

This is not a fair business practice. One would think that they would maintain consistency with their product ..the 'score ' and make changes to after they have found & corrected the problems. 

Thoughts : Is it fair to be punished for asking that your information be reported correctly? 
Identity theft is a major concern, what about identity assault & battery by a credit bureau? XXXX 
It is an impossible trap. 

I told the credit score analyst that this is not a fair practice, that I think I will report it to the FTC, so knowing them they will change their tune & say that it was never their practice to remove the item from calculation while investigating ( It is like it is done for logistical administrative purposes to keep people from disputing incorrect information ). I have not been able to find my XXXX/XXXX/2015 score of XXXX on the Equifax site, since I sent it in a letter to the dispute department of my bank. 

Pardon my ranting but I feel that I am at the mercy of a large organization. I am at fault for my late payments, but I am at fault for their ineptitude? 

Please help me!! 


Who watches the watchers.
Product: Credit card

My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.
Product: Mortgage

My name is XXXX XXXX and I have been a client of Suntrust Mortgage for 5 years. 
Within these years every 3-4 months I encounter problems with Suntrust. There is an ongoing issue with up front transparency as to what is need by me. One of the issues now is i 'm short in escrow and the payment is going up an additional ( {$200.00} ). Currently my budget can not sustain this waive of unforeseen changes. 
I did a loan modification 4 years ago so why does my payment continue to go up back and forth. 
I am frustrated to the point of walking out of this home and letting them have it. Any advice you can assist me with will help. 
Suntrust Mortgage loan Number : XXXX XXXX XXXX, Home preservation counselor Phone number : XXXX
Product: Debt collection

I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX , XXXX from Portfolio Recovery Assoc. LLC. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XX/XX/XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XX/XX/XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XX/XX/XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XX/XX/XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.
Product: Payday loan, title loan, or personal loan

On the date XX/XX/2020 I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Credit Acceptance Corporation. I am the original creditor extending my credit ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraduently finance me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$11000.00} exact but this dealership and financial institution gave me a total sale price of {$32000.00} ( see attachment for Exhibit A ). That is a total of {$21000.00} charged over the sum of all charges this is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX during a family vacation I attempted to use my Capital One card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted Capital One and after several hours of holds and transfers discovered my credit card account was closed due to a notice from XXXX. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to  contact both XXXX and Capital One regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted Capital One and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that XXXX had unilaterally contacted them and closed the account claiming it was opened fraudulently. Capital One then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted XXXX and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my Capital One account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, XXXX has still not contacted me nor sent any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account application was opened for a XXXX credit card that I did not authorize on XX/XX/2022, from JPMCB. I assume this to be a fraudulent use of my information.