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

XX/XX/31 username and password were changed for online Wells Fargo app. Ive called Wells Fargo branch a few times now and they cant seem to help me, Always transferring me to someone else to help and then say I dont have enough information, My wallet is stolen I dont know the information. XXXX from savings depleted and XXXX debt on credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 US-CODE 1692
XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX I called into annualcreditreport.com and requested my consumer reports and haven't received anything yet. I even requested my 3 consumer reports from annualcreditreport.com via mail and haven't received anything at all. U
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates the JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) and JEFFERSNCP were found on my credit report in violation of Federal Law. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

On Friday, XXXX XXXX from a woman named XXXX XXXX, from a debt collection company called XXXX in reference to a payday loan in my name from a Company called Check Into Cash, in the amount of {$3100.00}. She stated the this debt was bought and sold to a debt collection company or law firm called " XXXXXXXX XXXX XXXXXXXX ''. I immediately asked for more information. She said this took place in the year of XXXX. I immediately told her I did not owe this debt. I've never obtained any loan from this company and this account is not in the corporate system, nor a debt on my credit report so I immediately knew that this was a serious scam and my personal information was obviously used to obtain it, I've never even been inside a location and did not even know what type of company Check into Cash was. Right after I ended the call with her, I called I went to XXXX and found the customer service number to the corporate office of this company and spoke to XXXX in which I gave her my personal information such as my Date of Birth and Social Security number to see if there was any information or an account in my name and there was not. XXXX said It is a scam and referred me to report this incident to the FTC. This company wants to serve me legal documents to my home.
Product: Mortgage

On XXXX XXXX of 2017 an interior appraisal was completed by Bank of America. The market value for his property was set at {$470000.00}. we dispute the value for the following reasons : 1. Value was completed as a 2 family dwelling and this property is a 1.5 family dwelling as per the XXXX XXXX XXXX XXXX 2. The comparables used for the appraisal were properties fully renovated and the subject property presents major issues 3. property has MOLD 4. Property has a distressed foundation 5. Water damage 6. electrical and plumbing systems are outdated
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Closed Late Payment Account ( 3 Bureaus ) XXXXXXXX XXXX XXXXXXXX XX/XX/year> Late Payment ( 3 Bureaus ) XXXX XXXX XXXXXXXX
Product: Checking or savings account

Denial of promotional bonus. 

Opened a checking/savings account combination under a promotion which promised a bonus after certain activities were met. 

I met all the activities yet the company refused to credit the bonus. 

The company admitted that I qualified for the bonus in an online chat but then when I created a case to look into why it wasn't credited they sent a letter saying I didn't meet the conditions. 

However I did meet all the conditions and I have the statements to show it.
Product: Consumer Loan

yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name recorded incorrectly. I have already sent my current state ID, my Social Security card, and even filed a dispute for them to correct my name. They have not corrected this issue.
Product: Credit card or prepaid card

I was issued my disability funds to my Bank of America edd card shortly after I had to fly to XXXX to take care of my ill mother who ultimately ended up passing. During that time I was mailed a notice motorizing me that my pin had been changed to my surprise when I returned home almost all of my funds had been withdrawn and there was a pin I have never used before. I reported it to the bank who said they would investigate they claim that I am the person on the camera which is impossible I have made a police report have proof of my time out of the state
Product: Student loan

I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, 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 me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in inaccurate
Product: Mortgage

I already told Bank of America that XXXX  days ago XXXX ( My existing Mortgage Bank ) had complained about BOA the beneficiary on my home. This should be changed on the Closing date not XXXX days before that and they must be put back XXXX as the beneficiary by the end of XXXX XXXX XXXX XXXX Tuesday, XX/XX/2003. 
I started this process the first week of XXXX ( XXXX Months ) and I am still not even close to the closing when the interest rate was 2.87 % and now almost 9 %, Please look at your site that says that BOA still waiting for Property valuation BOA Responsible that I even got that by mail XXXX days ago from BOA! You see that there is something wrong here! And if anyone check this email chain you will find that I never got an answer to any of my questions or calls, but there is only XXXX Requests instead that I provided each XXXX XXXX for XXXX months. 
Here is what you are asking now with my answer to each one : XXXX XXXX XXXX XXXX XXXX XXXX  that I pay in full each month XXXX XXXX XXXX XXXX XXXX all my monthly bills go there each month for the points, and I pay in full each month XXXX XXXX XXXX XXXX XXXX This is my daughter car, I bought it for her and now she is in XXXX XXXX XXXX school. She is paying this each month since she has a full-time scholarship and, she gets XXXX  each semester XXXX. XXXX XXXX XXXX XXXX  paid in full XXXX days ago, and waiting for the car title XXXX XXXX XXXX XXXXXXXX XXXX My mortgage I sent you the last statement at lease XXXX times XXXX XXXX XXXX XXXX  This has been disputed almost XXXX years ago, they were corrupt, please see comment on the report and this should be out from my credit report I will end up after this with a payment of XXXX a month and I make over XXXX  each month. " What is the problem here! '' BOA have done XXXX hard checks on my report because of your loan process delay. 


New email XXXX XXXX, I didn't get any calls from you today as you indicated and my phone with me all day and i received other calls from other people! there must be something wrong with your system because i got the call from XXXX XXXX! BOA I already sent an email to XXXX last week that I am not paying any of these items, It will leave me with XXXX to upgrade my bathrooms!!!! and your interest rate when up from 2.87 % to 8.28 % because it took you over XXXX months and you have not even finished yet! and here is why If you all want to stop this no sense process, please just say that I am not approved so I can start another refinance from my XXXX XXXX  again Please just reply to this email ASAP since you are unable to reach be by phone. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THe following companies Inquiries listed below was not authorize by me on my Transunion credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

2 months ago I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Product: Credit reporting or other personal consumer reports

United consumer financial service says I own them for a loan I never known about I believe it was my wife that passed or my step daughter who would spend over XXXX for a vacuum cleaner
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX  WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, XXXX   AND TRANSUNION STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to Equifax, XXXX, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Product: Debt collection

I found out I owed a debt after I moved to a different state. A collection agency contacted me and said if I paid {$75.00} the debt would be cleared from my credit and resolved. This was in 2011 XXXX XXXX and Resurgent keep reporting the debt and are harassing me for additional funds.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX on experian documentation was sent to removed nevetive infoemation from XXXX XXXX XXXX please have e, perian, removed thenevetive information also, federal, trade report on, filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 2019 accident that was supposed to fall off after 3 years according to my insurance company and a comprehensive claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX  and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Checking or savings account

Well I have account whit capital one bank and I deposit a check on it and theyre just block my access to the account and freeze my money and theres days is suspicious activity because the check code from XXXX XXXX California but the check its verify by the company whos sended to my address thats company was XXXX The check was XXXX XXXX XXXX XXXX dollars in my account I have {$25000.00} the company whos Payment was XXXX
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report that I do not recognize. I have already filed a complaint regarding this issue, but it has yet to be resolved. The inquiries are dated XX/XX/year>, and XX/XX/year>. 

I have contacted Wells Fargo about this matter, but their response has been inadequate. I expect prompt attention to this issue and a resolution as soon as possible.
Product: Prepaid card

American Express Gift cards are useless, as they are scarcely acceptable to use for online purchase or for gas or at a restaurant.

I have three ( 3 ) separate Amex Gift Cards sealed and unused, that I just received from an employer. Each are purported to be valued at {$50.00} USD. 

Just minutes ago I opened and attempted to use for an online purchase. All three ( 3 ) cards were declined.

I attempted to register cards via https : //balance.amexgiftcard.com/ # / and all three ( 3 ) cards were declined.

I called the 1-888 number on the back of the Amex cards and discovered that one ( 1 ) card only contains TWENTY CENTS VALUE on a {$50.00} card. This card was never used. How is this possible? 

The other XXXX ( XXXX ) cards contain FIFTY DOLLARS VALUE each. However, I am unable to make any purchase online with these gift cards. 

XXXX XXXX : XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX
Product: Bank account or service

I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.