23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX [ XXXX ] Re : Formal Complaint Against Wells Fargo Bank - Currency Conversion Discrepancy and Lack of Disclosure Account Number Ending in : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding an unjust currency conversion rate applied to my account during a transaction on XX/XX/. 

Despite Wells Fargos claim that the conversion of my XXXXXXXX XXXX  to XXXX USD at a rate of XXXX was standard procedure, I found the rate excessively inflated compared to the market rate on that day, which was significantly lower. Moreover, I was not informed of this markup prior to the transaction, a clear violation of transparency standards set by the Consumer Financial Protection Bureau. 

I have attempted to resolve this issue directly with Wells Fargo twice, with no satisfactory outcome. The banks response, claiming the need to charge higher rates to offset their risks, was unsubstantiated and did not provide any specific evidence or justification for such risks. 

Therefore, I request a rectification from Wells Fargo, either by reversing the transaction or providing restitution for the excess amount charged due to the inflated exchange rate. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized XXXX XXXX account was fraudulently opened in my name without my knowledge or consent. I discovered this account when reviewing my credit report. 

I reported the fraudulent account to both XXXX XXXX and the credit bureaus, providing an identity theft affidavit and supporting documentation, including a police report. Despite this, XXXX XXXX has claimed that payments were made to the account from a XXXX XXXX XXXX XXXX account. However, I have never held an account with XXXX XXXX XXXX XXXX, making their assertion invalid. 

I submitted a dispute to the credit bureau under the Fair Credit Reporting Act ( FCRA ), requesting the removal of this fraudulent account from my credit report. To date, the account has not been removed, causing ongoing harm to my credit profile. 

I request immediate resolution of this matter, including the removal of the fraudulent account from my credit report and written confirmation of the action taken.
Product: Debt collection

Debt collector called my cell phone on Tuesday and told me he was collecting on a medical bill I had never heard about. I explained I had not ever recieved a bill and that I was going to call the Dr office to find out what the bill was for and why they never mailed me anything. He told me he 'd just sue me and I could see the bill in court and then I could also pay all his additional fees he was going to add for court costs. I told him I 'd pay what I owed but I wanted to confirm with my insurance company and the Dr office first to see what I owed. He again threatened to sue me and my {$300.00} bill would significantly increase if he had to waste his time. He then called my Father Wednesday, the next day, and told him about the bill and that he was going to sue me and make me come back to XXXX to go to court since I recently moved to XXXX XXXX. I found out that same day ( Wednesday ) that he also called my employer saying he needed to talk to me about " our recent work together '' which is a lie. He 's using multiple names and calling from what appears to be fake numbers because they wo n't let me return the call directly.
Product: Checking or savings account

I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.
Product: Mortgage

When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage. 
I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/2022 for reporting a XXXX XXXX bankruptcy that is in error. They said that they are verifying their information through XXXX XXXX but I have provided them documents that XXXX XXXX is not reporting a XXXX  XXXX Bankruptcy. Equifax is reporting an account in error and total violation of FCRA.
Product: Credit reporting or other personal consumer reports

I submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer per the law. 

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by Equifax that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.
Product: Mortgage

The loan on our primary home was transferred from XXXXXXXX XXXX XXXXXXXX to Freedom Mortgage effective XXXX XXXX. We continued to receive bills from XXXXXXXX XXXX  XXXX in the same amount as our previous mortgage payment through XXXX ( {$3000.00} ). No letter or notice was received concerning a escrow account adjustment. 

We received a series of paper notifications from both lenders about the transfer and went out of town for the entire month of XXXX. We set up our existing monthly payment ( {$3000.00} ) to Freedom Mortgage online via wire as the last notice from them before departure had reflected that our monthly balance due would not be changing. 

Upon return, we received a past due letter from Freedom Mortgage in the amount of {$230.00}. Upon calling, I was informed that this was a past due amount due to an escrow account resolution from XXXXXXXX XXXX XXXXXXXX. I promptly paid the {$230.00} and requested that the late notification be removed from XXXX as my credit score was impacted nearly XXXX points. In fact, I was in such a panic- I paid this amount to them twice via bank account transfer as I've never had a late payment on anything in my life and have always had an excellent credit score. ( Payment evidence attached ). 

Freedom Mortgage directed me to XXXX to file a dispute. They claimed that it was XXXXXXXX XXXX XXXXXXXX who reported the late payment but XXXX informed me that it was Freedom Mortgage who reported it. And not only was this not productive but the claim " resolution '' now indicates a late payment of the ENTIRE new payment amount - not the {$230.00} shortfall due to escrow recalculation. So it appears on my credit as if I had a full late mortgage payment when in fact it was only the new difference in the escrow account of which I had not been duly informed. IN FACT, I received the letter TODAY ( XX/XX/year> ) dated XXXX XXXX XXXX from XXXX XXXX  XXXX concerning the escrow account adjustment. 

The purported late fee, loan transfer and our resolution of the escrow shortage all occurred within a 60 day period. While I realize our travel was untimely, this was clearly an oversight by XXXX XXXX XXXXXXXX prior to transferring the loan and we feel as if we are being unfairly penalized for the transfer for which we did not initiate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a vehicle loanopened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a personal loan opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} under the account number XXXX. 
These XXXX accounta have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$6700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the filler credit reporting act FCRA to conduct reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Equifax and XXXX alleging systemic issues, such as filling to forward consumer Provided evidence to furniture, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes these failures align with my experience experience, and Equifax has neither corrected or removed disputed items. Despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax in action, violates federal law and my rights as a consumer.
Product: Checking or savings account

I recently tried to log into my US Bank account and apparently the password was incorrect. As I tried to login a few times my account was locked. When I hit the reset password link, it required me to put in the last 4 of my social. It then moved to another page and asked me to enter my pin number in order to unlock the account. I don't share my pin with anyone because no one should, and I work in an XXXX XXXX related field so i know how foolish that request is. When I called US Bank to get my account unlocked, I provided my full social, date of birth, mother 's maiden name and my full name. They then also asked for my pin. I told them that's information I don't share with anyone, and I had given all qualifying information that should be necessary to unlock the account. I asked if there was any other info I could give them to unlock and they said I would have to go to a branch and give them my pin to unlock the account. I told them if I went to the branch I would be closing my account because their processes are opening the door for fraud to take place. In short, they would not allow me to access my account unless I provided my pin number either on a website, over the phone, or in person.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged 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 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 XXXX  Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit reporting

Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.
Product: Credit reporting

I have disputed the incorrect information two times using the processrequired by Equifax. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
Product: Mortgage

I received a foreclosure letter several months ago in XXXX. It was showing missed payments but not on correct dates. After finally figuring this out through my lawyer, the payments were caught up to date and the payment went directly through the law firm so there was a definite payoff trail. In a letter dated, XX/XX/XXXX it is stating we know have a forecloser date of XX/XX/XXXX stating again, the old amount and saying there has been no payment since. I have the payoff that my lawyer sent directly as well as every cleared check for each month after. 

Before, we were on autopay and never had this problem. As soon as we filed bankruptcy they canceled that even though no other company did. This was simply an opportunity for this company to hope we defaulted due to our perfect auto debit record so they could take advantage. 

I would appreciate, as I have already told this company, to have my auto debit reinstated and my account open to me. If my account can not be accessed, how am I suppose to know what has been paid and when it cleared. Closing access to my account due to bankruptcy that does not even affect this company is absurd. They are only trying to take advantage of a hard situation. 

Attached is the payoff in XXXX as well as the additional three payments the company is claiming I missed. You can clearly see all payments are made and have cleared my bank.
Product: Credit card

I paid to get a XXXX put in my truck on XXXX XXXX, 2015 by XXXX XXXX in XXXX, Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer, XXXX, they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company, in XXXX. Then we took our vehicle to the dealer, XXXX, to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions, which he did AFTER we paid to have the truck repaired. Then Discover found in XXXX XXXX 's favor even after we showed proof that we had to pay someone else to fix what XXXX would not. We are extremely frustrated with the process that was taken and feel that we have been wronged by Discover as well as XXXX XXXX. All we want is our refund for what we paid for the XXXX and our down time for the truck being out of service. We were without the use of our vehicle for several days due to the mishandling and unwillingness to fix the problem the merchant created. I have filed numerous letters with Discover and they say that the issue is resolved. I am out the money I paid XXXX as well as what we paid to the XXXX dealer to fix our truck. Not to mention the vehicle being down and unable to be used do to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sent Trans Union a dispute challenge letter disputing an account that is currently reporting inaccurately. 

Account : ( XXXX XXXX XXXX ) I identified to transUnion the following inaccuracies and unverifiable information currently being reported. 

: Last date of activity : inaccurate, a violation ; as a result account must be removed at once. 

Last date of payment is inaccurate ; last date of payment was in XX/XX/XXXX, of which is reflected on my bank account statement. where is TransUnion getting its information from?? please Delete account for  reporting inaccurately. 

: Last reported balance is inaccurate, and unverifiable. Please delete this account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was originally through MB Financial and then was bought out by 5th third bank. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

5th third continue to send XXXX  ( foreclosure Proceeding Stated ) remarks to XXXX 2 months after I sold the home and MOST recently, left a XXXX  remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru XXXX multiple times even including my XXXX XXXX XXXX XXXX proof of sale. 5th Third continuous to not answer any of my questions after telling me this is a " closed account ''.

My home buying chances are in danger while 5th third bank continuous to leave negative credit inquires. XXXX disputing is no help to me neither ...... 

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

On XX/XX/2017 CitiBank ( CBNA ) reported hard inquiries to my credit report. I have never applied for credit at Citi. I have contacted the creditor and have had no success on removing inquiries