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

Experian has been violating consumer rights by misrepresenting a debt. They have now kept me from accessing my credit report and thereby denying me access to my papers. they are still reporting on me without permission
Product: Checking or savings account

I was a victim of fraud. On XX/XX/XXXX I withdrew {$100.00} from my checking account at the Wells Fargo ATM on XXXX XXXX in XXXX, California. As I approached my car, I was engaged by a man who said he thought that perhaps I had drop a {$20.00} bill when I was putting my money into my wallet after using the ATM. He handed me a {$20.00} bill that he said he had picked up and thought it might be mine. I checked my wallet and found that I did have the XXXX {$20.00} bills that I had withdrawn so I handed the {$20.00} bill back to him and he left. 

The next day, we were provided a notice from the bank that someone had attempted to withdraw funds from our checking account in XXXX California using my ATM card. I first checked my wallet to see if I had my ATM card and found that I had someone elses ATM card in my wallet and mine was no longer there. I then checked my checking account activity and found that shortly after my {$100.00} withdrawal there had been three unauthorized withdrawals totaling {$3700.00}. ( The three withdrawals were in the amount of {$900.00}, {$1000.00} and {$1800.00}. ) I immediately called Wells Fargo and reported these facts to them. I explained that I had no idea how this man had obtained my ATM card or my pin number. I advised Wells Fargo that Idid not have my pin number written down on the card or anywhere else. It was memorized. 

Wells Fargo conditionally returned the missing {$3700.00} to my account but on XX/XX/XXXX I received a letter from Wells Fargo advising that they had completed their research and based on the information available, they found the chargers were made by me or someone who had my permission. The letter also indicated that the {$3700.00} would be deducted from my account on XX/XX/XXXX. I immediately called Wells Fargo to ask for an explanation of what information they had relied upon in reaching their conclusion that I or someone who had my permission had withdrawn this money. The only substantive response to my question was the statement that they didnt see any errors. I talked with three people that day, but no one could explain any further as to what was meant by that statement. I assured them that I had not withdrawn the money and that I did not give anyone else permission to withdraw money from my account. I was eventually told that someone from EO would call me, but I have not as yet received any such call. 

My my ATM card and pin were somehow stolen from me and used to withdraw {$3700.00} from my account. I believe this is the banks responsibility under federal law. 
Ive been a valued customer of Wells Fargo bank since before XXXX and I am disappointed that they have refused to believe what I have told them about this incident.
Product: Debt collection

XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. 

Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to Bank of America. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. 

In addition, XXXX Bank  itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. 

The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by XXXX XXXX XXXX , XXXX , the servicing agent on the account. 

The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. 

XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. 

Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. 

As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. 

I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issues I have encountered with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted Equifax to dispute the following incorrect information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the necessary corrections are outlined below : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} This account is not mine. Please remove it from my credit report. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly. Please mark this account as disputed until the matter is resolved. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$490.00} This account is closed and charged-off. The reported balance is inaccurate. Please mark this account as disputed while I resolve the matter with the creditor. Additionally, verify Date Opened, Date of Status, and First Reported. 

XXXX  XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$1000.00} This account is closed and charged-off. The reported balance is disputed. Please mark this account as disputed while I clarify this matter with the creditor. Also, verify Date Opened, Date of Status, and First Reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not acknowledge payoff requests in XXXX, and has since refused to provide car vehicle title as requested. Ive since filed several CFPB complaints on the company. The latest being CFPB complaint number XXXX which was closed on XX/XX/XXXX. The complaint outlined the dates over the past 4 years when the account was opened and closed with charged off/written off as bad debt status repeatedly over the past 4 years without any explanation. On XX/XX/XXXX, the company indicated in their response the account was still open, and the car was still out for repossession. In addition, XXXX XXXX XXXX did not provide the 1099-C for the years XXXX for which the account had been reported as written off as bad debt or charged off. Their response contradicts their credit bureau reporting. The account reports newly closed every month which continues to hold down my score. Their inaccurate reporting has caused the loss of funding in the amount of {$350000.00}. It is both unlawful and unethical. XXXX  message continues to be they have investigated, and they are acting in accordance with the law. The are not. They are in violation of several US tax codes, and FTC XXXX. 

The company provided a letter with dates which they received communication from me via CFPB and the Illinois States Attorneys Office. However, neglected to acknowledge the dates of the XXXX delivered letters for which I have receipts for. 

I was also advised by both Transunion and XXXX the credit bureaus do not complete investigations. Nor do they require the company to provide any proof of what they are reporting. I was advised by Transunion and XXXX the company simply has to digitally verify they are providing valid information. Which is another violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I attempted to purchase something from someone online. I realized as the transaction was happening it was a scam. I tried to stop mid way. Didn't work. I reported it and was told to file police reporting that's all they can and ended the conversation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

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Product: Student loan

I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. Tidewater Motor Credit should have been removed off of my credit in XX/XX/XXXX. I have contacted Tidewater Motor Credit directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for XXXX XXXX has been very rude and will not even try to help me resolve this issue. The last time I called Tidewater I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that XXXX was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both XXXX and Tidewater Motor Credit. XXXX did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
Product: Payday loan, title loan, or personal loan

I got an loan from cash net USA in XX/XX/2019 for {$530.00}. After calling the company about how long it would take to pay off the loan they could not give me a definite answer. Also I noticed that every month my payment would be more than the last payment. Even though I am a senior citizen and have a XXXX  XXXX it strikes me that cash net USA is practicing in good faith. I can not pay for this bill that seems to follow me to my grave! I'm not sure what to do at this point. Please help me with this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Company XXXX Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS : XXXX XXXX XXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX XXXX  : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX, XXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX XXXX  XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME
Product: Credit reporting or other personal consumer reports

first letter was sent on XX/XX/year> explaining all the errors with pictures of them highlighted and circled in red errors on my consumer report a generic response was sent back too me and the errors continued to be furnished on my consumer reports. thus damaging my credit and damaging my character. they are also in violation of the fcra. 1. failure to investigate or re-investigate inaccuracies as required by 15 USC 1681i. 2. failure to provide verification of disputed accounts as required by 15 usc 1681s-2. a second letter was sent on XX/XX/year> outlining the continued errors with inaccuracies highlighted and circled in red but the continued errors continue to damage my credit report. I further escalate and request monetary relief for such continued violations against this credit bureau. these are still the continued errors still being furnished as of today XX/XX/year> : Equifax Report : Open Accounts : 1. XXXX XXXX : * Inaccuracy : Equifax reflects the account with a balance of {$0.00}, but there are missing monthly payment details, particularly for XXXX ( equifax XXXX XXXX ). 
* Error : Payment history gaps between XXXX and XX/XX/year>, where no data is available ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
2. XXXX XXXX XXXX ( Credit Card & Installment Loan ) : * Inaccuracy : Both the credit card and installment loan accounts show overdue balances, but the overdue amounts ( e.g., {$39.00} and {$60.00} ) vary across reports. 
* Incomplete Data : Equifax does not provide clear payment history or show all missed payment details ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
Closed Accounts : 1. XXXX XXXX XXXX XXXX  : * Inaccuracy : Equifax lists a charge-off with a balance of {$27000.00}. This differs from XXXX and XXXX reports, which have slight discrepancies in balances and dates ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
* Error : Different bureaus reflect varying charge-off amounts, with Equifax showing higher overdue amounts ( equifax XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 
2. XXXX XXXX XXXX : * Inaccuracy : Equifax reflects the late payment in XX/XX/year>, but does not align with other reports regarding account closure status ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 


each company listed above has also been notified 3 different times and if these accounts are deleted at this point I will have no other choice but to pursue litigation for the continued violations stated above for continued months!
Product: Credit reporting

Like your recent consent order with the credit reporting agencies, I requested a Free Credit report from Experian on XX/XX/2015, expecting to receive my credit score for free as advertised on the website. Through clicking through the options to receive my " free '' score, I was unknowingly enrolled in some premium credit monitoring which was billed to me in three separate transactions : {$1.00}, {$21.00}, and {$39.00}. I disputed the charges directly with Experian, who refunded the {$39.00} which was an annual fee, but I did not receive a refund for the {$21.00} since time had elapsed since I had " enrolled '' and thus they determined I was " using the service '' which is obviously a bogus claim. I do n't seem to be an Affected Customer under your recent Consent Order but from my experience it sounds like these deceptive practices were also ongoing at Experian.
Product: Money transfer, virtual currency, or money service

Venmo froze my account and never refunded my balance back to me
Product: Debt collection

Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with XXXX XXXX Jacob Law Group, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched Jacob Law Group and XXXX and found they have countless complaints. Jacob Law Group was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with Jacob Law Group for documentation, she said " That's not how it's done. ''
Product: Checking or savings account

This is the second time in the last two years where Chase actually offered me to open a checking account. I accepted their offer, after setting up my paycheck to go into this account etc. I get a letter without any explanation, that Chase decided to end their relationship with me. Chase decided to close my account. 
If there is any reason that makes sense for an account closure I am more than willing to accept that. However for Chase to arbitrarily and discriminately close accounts of any legal US citizen that has a clean record and a XXXX  credit score of 825+ does not sit well with me. It should not be acceptable to the US government either.
Product: Credit reporting or other personal consumer reports

NCB Management SERVICE Illegally bought a charge off account debt without my knowledge. No verification of bought debt was received. Increases debt amount on my credit report. Ruined my credit score. 
I don't recall having a contractual relationship with this collection company NCB MANAGEMENT SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I have attached proof to show that they consistently report late. They also close and reopen the account to further punish my credit score.
Product: Mortgage

We asked about some generic options regarding removing the private mortgage insurance from our current home loan. Our inquiry was to the Loan Officer, XXXX XXXX with Wells Fargo, he originally handled our purchase ( as well as works for the company still servicing our loan ) and we thought he would have access to know at what loan to value we would need to be at for this to occur based on our current/ original terms. We were inquiring specifically about getting an appraisal on the home to establish value and remove the monthly PMI on the current loan. We asked about our options- We did not apply for a refinance or give authorization to pull credit from either borrower on the loan but shortly after received an email as if we submitted a loan application. As soon as we received the email about setting up a new loan process ( an " e-consent '' for initial disclosures ) It was clarified to the Loan Officer that we were not interested in obtaining a new loan or refinancing and asked him to withdrawal our application. Because we didn't give our authorization for the e-consent we received an overnight disclosure package in the mail 2 days later. The paperwork shows all old/incorrect information from our old file because we never gave him updated info for an application. We are frustrated to have had our credit pulled without our permission and then even more frustrated that after we clarified that we did not want to refinance that we still received loan docs in the mail. The LO should have cancelled our application before anything had been sent.