23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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: Checking or savings account

XXXX XXXX received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX on XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX   XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. XXXX XXXX then contacted Wells Fargo customer service department on XXXX at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX asked XXXX what correspondence was in the envelope and XXXX XXXX told him the envelope was not addressed to him and it would be a federal offense if he opened it. XXXX XXXX then asked XXXX XXXX if he could see the correspondence through the envelope. Again XXXX XXXX informed XXXX XXXX that this is a Federal offense to open mail that was not address to him and that he was not going to prison for an error Wells Fargo made. XXXX XXXX than had a telephone conversation with XXXX XXXX and explained that he had received correspondence from Wells Fargo at his residence. Neither XXXX XXXX nor XXXX XXXX had any knowledge as to why this correspondence was sent to XXXX XXXX. XXXX XXXX XXXX and I, XXXX XXXX have a joint checking account with Wells Fargo. XXXX XXXX XXXX does not have a checking or savings account with Wells Fargo and is not affiliated with the joint account of XXXX XXXX XXXX and XXXX XXXX XXXX. A couple of week after XXXX XXXX received the correspondence on XXXX, I XXXX XXXX received correspondence in the mail at the following address and addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. XXXX XXXX does not live at this address and does not use this address as his mailing address. WHY IS WELLS FARGO USING THE ADDRESSES ON OUR JOINT CHECKING ACCOUNT AND SENDING XXXX XXXX XXXX CORRESPONDENCE TO US? WELLS FARGO HAS ALSO FORWARDED THIS INFORMATION TO THE IRS USING THE ADDRESS OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ AND XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 
PLEASE EXPLAIN TO US HOW THIS INCIDENT HAPPENED AND WHAT STEP YOU ARE TAKING TO MAKE SURE THIS DOES NOT HAPPEN IN THE FUTURE. 
HERE ARE SEVERAL PREVIOUS MISTAKES WELLS FARGO HAS MADE ON XXXX XXXX AND XXXX XXXX ACCOUNTS. WELLS FARGO SET UP A DIRECT DEPOSIT FOR XXXX XXXX XXXX CHECK TO BE DEPOSITED IN XXXX XXXX ACCOUNT IN ERROR AND NOT XXXX CHECKING ACCOUNT SHE HAD WITH HER HUSBANK XXXX. ANOTHER ERROR, WELLS FARGO REMOVED {$3000.00} FROM XXXX XXXX SAVING ACCOUNT IN ERROR. THE {$3000.00} WAS TO BE REMOVED FROM THE JOINT ACCOUNT OF XXXX AND XXXX XXXX. ANOTHER ERROR A LETTER WAS SENT TO XXXX XXXX ADDRESS IN AZ THEY AT CD HAD BEEN RENEWED FOR XXXX AND XXXX XXXX IN THEIR NAMES. XXXX XXXX HAD NOTHING TO DO WITH THIS CD BUT THE INFORMATION WAS SENT TO HIM. 
I closed the joint checking and savings accounts in the names of XXXX and XXXX XXXX we had at Wells Fargo and we are now banking at another bank. 
WHY IS WELLS FARGO CONTINUING TO MAKE THESE ERRORS, TIME AFTER TIME, AFTER TIME, AND AGAIN AND AGAIN? PLEASE SEND A LETTER TO XXXX XXXX AND MYSELF EXPLAING WHY THESE ERRORS WERE MADE.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I purchased crypto on the Gemini App. I learned that it is best to transfer your funds to a cold wallet to protect it against hacking. I tried transferring what I had to the wallet and they randomly placed my account on a hold to verify it. I emailed them on XX/XX/year> about the issue, they responded on XX/XX/year> that I had to submit a selfie with and ID and I did that on XX/XX/year>, they responded on XX/XX/year> that I needed to send proof of funding, I sent in my tax return and sale records of my house on XX/XX/year> and haven't responded. I have emailed them a couple times a week since and there is no response, they are holding my money hostage without correspondence. I have {$150000.00} worth on the platform at this point. I want nothing from them other than to be able to access my account and transfer it to a cold wallet. It should be criminal to hold money like this hostage. There is no number to contact other than an email. I can forward the email correspondence if necessary, if you provide me an email to send to.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I logged in to my crypto currency account with XXXX XXXX  and discovered all my crypto currency positions were gone. I reported this to XXXX and on XX/XX/XXXX they locked me out of my account. When they locked my account they instructed me to perform a number of security measures which I have done ( in fact, several times ). I have attempted to contact them 5 times over the past two month as well as tried to log back into my account several times. They have not responded and I remain locked out of my account. There is no way to speak to anyone. The only option is by email at help@coinbase.com. The crypto currencies were Bitcoin BTC, Ethereum ETH and Litecoin LTC. The approximate total value of my positions as of the close on XX/XX/XXXX was {$8400.00}. Since they have not responded and/or unlocked my account in over two months and have continued to lock me out of my account even though I have performed all the security measures they requested, I can only assume XXXX is complicit in the theft of my crypto currencies. Please investigate this crime. I have no other way to pursue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out a couple of months ago around XX/XX/2021 to XXXX, Transunion, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXXXXXX XXXX was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information.

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, XXXX or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was 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 XXXX : {$1200.00} XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Did not received written disclosure from company concerning, only received bill via text message, did not receive notification of rights or a USPS delivered mail containing debt information.

Debt is disputed, and not mine, but the manner through which they texted me was deceptive and would have disclosed personal information to another party if viewed.
Product: Debt collection

I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about?
Product: Consumer Loan

I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.
Product: Credit card

Beginning on XX/XX/2021 and every month after, there was a billing charge for approximately {$86.00}. I have tried to dispute these charges several times with Goldman Sachs/Apple Card , but they continue to tell me the dispute has been closed. They indicated that the merchant has no proof that the charges are mine, but they are oddly not reimbursing me, or removing the charges which total approximately {$1900.00}, I indicated to their management team that I would like a copy of all statements as well as proof that the charges were mine and results of their internal investigation. They did send me the statements, but refused to provide me with the results of the investigation. Numerous occasions, they have told me that the merchant has no proof, and that I should provide proof that the charges are not mine, which makes zero sense, I can not provide proof that the charges are not mine if the charges are not mine. They are mildly passive aggressive on the phone and I am tried for three months to get them to remove the charges permanently from my account, but they refuse.
Product: Mortgage

My father passed the property is in The XXXX Of XXXX XXXX. I've requested a mortgage modification with Select Port Folio to bring the mortgage current. Select Port Foilo servicing is in possession of the documents they've requested to process my request. There is a property foreclosure sale set for XX/XX/2018. I don't want to loose the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to JPMCB CARD, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX  Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX  Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Product: Credit reporting or other personal consumer reports

I recently checked my Transunion and XXXX XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my Credit Reports. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XXXX XXXX ) XX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.
Product: Mortgage

I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with bank of America and second mortgage with XXXX XXXX XXXX. Both first and second mortgage financed through countrywide mortgage between XXXX and XXXX. During the financial crisis of XXXX, we applied for loan modification with bank of America. Per bank of America they would not modify the second mortgage until the first was modified. The bank insisted that until we are behind on the first and second, they would not consider us for modification. 
Subsequently we were behind on the first and the second and reapplied. Unfortunately, our mortgages were not modified even though bank insisted that it was modified. our interest rates on both mortgages was and is still at 6.5 %. We are current on the 1st mortgage and defaulted on the second. In XX/XX/XXXX bank of America offered us a settlement of between {$75000.00} and {$78000.00} on the second, unfortunately we did not have the cash and in XX/XX/XXXX the second mortgage was transferred to XXXX  XXXX XXXX. 
The above information was shared with XXXX XXXX law and the offered to assist. 
Total payments made to the Law firm to-date {$3100.00} as follows : XX/XX/XXXX {$490.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1500.00} I requested for document submitted on my behalf from the banks and the QWR and they neither responded or even acknowledged my several attempts to receive the requested documents. 

Furthermore, because of the high interest of 6.5 % we are still paying on the 1st mortgage, Bank of America is not interested in modification of the 1st mortgage. We are stuck at this time. This has been ongoing since XXXX with no solution in sight.
Product: Credit reporting

XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified Fay Servicing that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that Fay Servicing has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship manager XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called Fay Servicing and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.
Product: Credit card

The company allowed someone to pull XXXX off a XXXX card and now im paying for the charges. I have put in many investigations but navy federal won't help
Product: Bank account or service

This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.
Product: Debt collection

RASH CURTIS AND ASSOCIATES is attempting to collect a debt from me that I have no awareness, via threatening to damage my credit.
Product: Student loan

I applied for the loan forgiveness in XX/XX/2019. I didnt qualify after working 11yrs and not missing a single payment. I then got a bill that they r withdrawing XXXX then I got another bill that they r withdrawing XXXX? I cant afford that.. my income driven amount is XXXX. Im frustrated.. as I cant make that much of a payment and seem to be getting nowhere with this company. I am a current student, a single mom with XXXX kids. I thought they would be helping me not doubling my payment amount. This is completely wrong of this company to not help but increase my payment? Im deactivating my direct deposit as I dont trust this company.. never was told my loan would be transferred from great loans..
Product: Checking or savings account

I woke up on Sunday XX/XX/XXXX to XXXX fraudulent charges on my account. Because this was a Sunday and it was XXXX XXXX  I had to wait for the fraud department to open. Once they were opened, my husband called and reported the fraudulent charges and immediately his card was canceled. Because this was a holiday weekend, XXXX, we needed access to our money for groceries and XXXX shopping. We were told multiple times that my card would be available. That evening my card was declined at the grocery store. After calling the fraud department I was told that my card was also charged and now canceled. 

The next day was Monday and when we called to confirm shipment of our new cards we were told that we could not have them shipped to our home address as we hadn't lived at this new address for longer than 90 days. When it was requested to have the cards sent to a closer branch we were told a branch we NEVER banked at would be receiving the cards. 

It is now over a week and we haven't heard a thing from the bank. Our cards are no where to be found and access to our money is so limited as the holidays and our work schedules do not allow for XXXX XXXX banking. I would like the charges from XXXX reversed as Ive never been to XXXX. I didn't make these charges and {$400.00} is A LOT of money to be left without over XXXX.