23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Complaint about Wells Fargo This complaint pertains to previous complaint # XXXX submitted on XX/XX/2022 Referenced Complaint XXXX relates to the title of my car. 
I have made numerous requests for assistance in clearing my title by contacting - XXXX XXXX, - XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX Leasing It is quite clear to me that Wells Fargo XXXX their Partners XXXX XXXX XXXX XXXX XXXX want me to get another XXXX vehicle becasue of the actions to cloud my title. Right now it would be difficult for me to sell my car on the open market or trade my car in at another dealer. 

However, I am sure I would not have any problems if I went to a XXXX dealer to trade in my car. 

See attachments which explain that Wells Fargo was " spoofing me ''. 
See attachments providing information about previous complaint.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am reaching out to express the violations I have faced at the hands of the credit reporting agencies. 
" Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies, including XXXX, XXXX, and TransUnion, uphold their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which underscores the Congressional policy that financial institutions, including furnishers of information to credit agencies, must continuously respect customer privacy.

In alignment with 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only with the explicit, written instructions of the concerned consumer. I declare that XXXX, XXXX, TransUnion, and the furnisher of information to credit agencies do not possess my consent to provide this information, and I explicitly revoke any form of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Referring to 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise nondisclosure. However, the furnishers of information to credit agencies failed to apprise me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency may include adverse information in a consumer report without authorization. The reporting of adverse information without my permission violates the law. 
Financial institutions such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fall under this definition. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. In this case, neither Transunion, XXXX, nor XXXX has my consent, be it verbal, non-verbal, written, implied, or otherwise, to furnish this information. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it is prohibited to furnish inaccurate information to a consumer reporting agency. XXXX, XXXX, and TransUnion are in violation of this provision. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specified purposes. The lack of reasonable procedures by XXXX, XXXX, and TransUnion is evident. 

Lastly, as outlined in 12 CFR 1016.7, I assert my right to opt out of the reporting services of XXXX, XXXX, and TransUnion at any time. Therefore, I am officially opting out of the reporting services provided by these three consumer reporting agencies. '' Please see my attached credit reports for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On two occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, Equifax and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost XXXX months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX  and XXXX.
Product: Mortgage

I write today in the hopes of getting a loan modification that will settle XXXX XXXX XXXX  XXXX foreclosure lawsuit once and for all. I would also like a full accounting of my loan account. 

Since 2009, I made numerous attempts to modify my mortgage with XXXX XXXXXXXX XXXX XXXXXXXX, through its servicer, XXXX. Each modification had an issue. When the lender sent its last modification, after I completed their trial modification, the lender included a settlement agreement and release. When I questioned why I am being asked to execute the settlement agreement, I was not afforded a response. 

I researched and learned that the lender is being sued across the country fraudulently denying loan modifications. XXXX XXXX XXXXXXXX XXXX XXXX and XXXX admit there was a glitch in the loan modification calculation software which caused wrongful denials of many mortgages but chose not to correct the error and fraudulently foreclosed on many homes. They did not inform the public. They denied my loan modification requests on numerous occasions as a result of this glitch. Each time I received a proposed modification from XXXX, I questioned the fees, costs and balance due. I even received a modification that was outside the guidelines provided by the HAMP and TARP programs. I made them aware and was told I had to take or leave it. They failed to follow and apply HAMP guidelines at one point as well. With the proper calculation, I would have qualified to have my principal balance reduced and the loan modification would have been approved. I would not be in litigation with them more than 12 years later. As a result, interest has accrued, I was unable to take advantage of the recent low interest rates and have not been able to qualify for a mortgage. 

My license was delayed as a result of these actions. I became increasingly XXXX  stressing over losing my home. 

I now have confirmation that XXXX XXXX engaged in mortgage modification fraud. But for the diligence of my attorney, my home would have been foreclosed on as well. 

Additionally, the lender added attorney 's fees and costs even though they voluntarily dismissed their case on two occasions. I was the prevailing party. They reimbursed the attorney 's fees and costs I paid to my attorney during the 2nd case. A discovery request was made. Instead of responding to the discovery request, they dismissed the case. I would like the balance to reflect a total deducting the attorneys fees and costs and the interest incurred as a result of this fraud committed by the lender. 

When I received the most recent modification offer, I was willing to accept the modification but not the settlement agreement offering me {$7000.00} to waive my rights to sue for fraud or any other misconduct. I was not allowed to do so. I am willing and able to pay my mortgage. I more can afford the most recent modification I was offered. I just want it to accurately reflect what I owe.
Product: Credit card

XXXX erroneously sent a refund to my closed Bank of America Alaska XXXX credit card on or about XX/XX/2024. I called Bank of America and requested that the monies be refunded to me immediately. After numerous calls to the credit card company, I was advised that a check was mailed to me at my verified address on XX/XX/2024 however I never received the check. I was advised that I needed to wait 10 business days to request that the check be re-issued ; which I did on XX/XX/2024. I still have not received the check, so I contacted Bank of America again XX/XX/2024 and was advised that my request to reissue the check was still being processed and they are still within, their legal timeline. I have been waiting over two months to receive the money that was sent to Bank of America after my account was closed and XXXX and his supervisor XXXX today were of no assistance in assuring that this money gets refunded. I do not feel it is appropriate for the credit card company to withhold my money for two months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Checking or savings account

XX/XX/2022 {$500.00} I told the bank that I was cheated by XXXX  agent scam and want to withdraw the payment. They told me that they can not do that while transaction is still pending at that moment.
Product: Mortgage

We are attempting to refinance our home. I retired recently so my income dropped substantially. But my wife and I both receive a pension from our previous employer. XXXX different companies have " approved '' our loan early in the process, and got us to shell out {$450.00} ( each time ) for appraisals and a rate lock fee. Then, much later in the process they tell us our incomes do not support the amount we are trying to borrow at that term and interest rate. It seems easy enough to make this determination right up front. It would save the consumer the {$450.00} and the grief of sharing all kinds of very personal financial information, including social security numbers, with the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach from XXXX has caused me to have 3 social on my credit ftc violation
Product: Bank account or service

I have been trying to communicate with Wells Fargo and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my XXXX XXXX XXXX report. I am well aware that XXXX was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my 2nd request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from Wells Fargo maybe XXXX can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. This information that has been reported to XXXX simply does not belong to me and ins 100 % inaccurate. 

I am a XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car XXXX. 

Please do not call and communicate only by way of the CFPB portal or mail only.
Product: Checking or savings account

So I have been to chase bank a few times and sat down with a banker to try and open a checking and savings account and everytime.i go in they deny me. I had another bank account at another bank but I already paid it off
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Lexisnexis received my complaint certified mail about inaccurate information being reported to my consumer report. It has been more than 30 days and I still have not heard from Lexisnexis about my concerns about inaccurate information being reported.Attach to complaint is proof of delivery and copy of letter stating violations. Lexisnexis are violating FCRA guidelines The accounts that are reporting inaccurate and are not 100 % accurate are 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

FCRA 605B requires that we remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit card

A new cash card was ordered from Cash App that was received on XX/XX/XXXX. The name on the card was not my name. It was changed and this action was not changed or requested to be changed by me. When Cash App Customer Support was contacted on XX/XX/XXXX, the Cash App worker, named XXXX stated the following, " When you order a Cash Card, the name printed on it is the legal verified name associated with it. We do not issue new Cash Cards to update printed names unless there was a printing error or f you've has a legal name change. '' I informed XXXX that the name on the new card was never used and is an illegal name that was not used on this account or changed by me. XXXX then stated, " I can see that you used an ID with that name on it to verify this account when you created it If you want to get a card with your correct name, you will need to send your own documents for verification. '' When I asked XXXX for a copy of the ID she claimed she had on file and that was used, I was denied the information. 

NOTE : When the Cash App account was created in XXXX, I was never asked to submit an identification card for verification. Nor was any identification card ever submitted or asked to be submitted by me during the duration of this account. Only information required by Cash App to create the account in XXXX was my name, address and a phone number. I had three previous XXXX XXXX XXXX with the correct name ending in XXXX that I had in XX/XX/XXXX and prior ; then card ending in XXXX from around XXXX to XXXX XXXX ; then XXXX XXXX ending in XXXX from XXXX XXXXXXXX to XX/XX/XXXX, I submitted a completed Cash App direct deposit form to an employer on XX/XX/XXXX that is electronically pre-filled by Cash App, all with the correct name. The account name was fraudulently changed by Cash App without my knowledge or consent. 

Attached FTC Fraud Report. 
Attached copy of Cash App XXXX XXXX form dated : XX/XX/XXXX.
Product: Credit card

I received an offer along with my new credit card for a FREE XXXX membership at XXXX. I signed up, and was charged {$64.00}. US Bank and XXXX both refused to reverse this charge. In addition, US Bank told me that I was not able to dispute this charge. Doesn't the U.S. FEDERAL LAW protect my right not to be scammed by a credit card company 's phony offers?
Product: Credit card or prepaid card

The Case number with Capital One is : XXXX opened a Capital One credit card about a year ago and earned rewards on that. About a year after the account was opened, and when I tried to use the reward, the bank blocked my account and requested Government-issued ID, Utility bills, and Social Security. cards to be submitted in order to verify my identity. I first submitted my XXXX XXXX ( XXXX XXXX XXXX XXXX ), my utility bills, and my SS card. They came back and said that they do not accept XXXX XXXX and want me to send Driver 's license or state-issued ID. I sent it in and was told that my state ID ( Driver 's license ) expired and they can't accept it. I told them that my state ID is in the process of renewal and they insisted that " they only consider state ID as a government ID ''. I've been trying to contact them and see if there's alternative form of ID they accept but they refused to take any ID except the renewed " State '' Driver 's license. 

I don't know why a " Federal Government-issued ID ( XXXX XXXX XXXX  ) '' is not a valid Government ID and I feel that the bank is intentionally giving consumer a hard time when they tried to redeem rewards. These all happened when I began to use the reward. I've used the card for a few months and when it nears the renewal time for annual fee and I tried to use the rewards, they blocked the account and making consumer inaccessible to the rewards. 

Moreover, when I agreed to the card agreement, there's no clauses mentioning that only people have " State-issued ID '' can use the account or be a client of Capital One. I think that they have no reason to request and accept ONLY the state-ID. I proposed many other forms of ID ( Passport, Social benefit card, etc ) and they said no. They just want the current State ID, which I I believe violates the agreement, or at least was not something that fully disclosed to consumers. I believe that they are using the ID verification as a burden for people to use the reward, and by limiting only one type of ID being accepted, the people who do not have or do not want to obtain state-ID or do not want to pay to apply for state-ID is discriminated in some ways. The Federal ID is more widely accepted than state ID in any occasions nationwide. By restricting this, they can easily forfeited consumers ' rewards or making the reward inaccessible without any justifiable reason.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.
Product: Credit reporting

I had an account with Experian that I set up to allow me to have unlimited access to my credit report. It was working well until they increased the minimum monthly charge by approximately double. I contacted them by phone and spoke to an Experian Customer Service representative who researched my account ( by SSN and credit information ). The rep was able to confirm the months that I was charged the higher monthly service charge and when and why the price went up. I explained to the rep that it was my understanding that the rate would n't change and was told that the situation could be rectified. I was immediately credited 2 months of service charges and am still due 5 months of charges. I have since cancelled the service ( over 1 year ago ) and still have not received the refund of approximately 5 months of remaining service charges.
Product: Credit reporting

I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.
Product: Credit reporting or other personal consumer reports

The company said the information was verified but Im needing to know whats the name of their employee who spoke with employee from that company also the name of the employee from the company they spoke with to verify the information being disputed also send payment history and original contract that was signed which includes the balances and payment history for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is informing them that a Letter of Intent to sue is next step if this information Im asking for can not be provided also the company response was well over 30days since the certified letter was stamped XX/XX/year> they did move and a timely matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and XXXX XXXX is removed from my XXXX and XXXX credit report but still reporting to XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit card or prepaid card

XX/XX/2022 I received an email stating I had an online transaction of {$230.00} on my Citi XXXX XXXX from XXXX. I called them right away and disputed the charge. They sent me a form to fill out and send back, which I did, and figured it would all resolved. 
XXXX XXXX I received a bill from XXXX for {$2700.00} for the unpaid phones. I had been ignoring mail from XXXX since I thought the credit card company had handled the unauthorized transaction and it wasn't valid. 
XX/XX/2022 I received a notice from a debt collection service for {$2800.00} for the unpaid bill from XXXX XXXX 
XX/XX/2022 I called Citi about the situation and they did nothing about the disputed charge. XXXX, billing specialist, found the letter I returned to them and sent it to the company XXXX. I am waiting to hear back from them.