23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Vehicle loan or lease

I was looking to purchase a used vehicle last  XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast   XXXX   different banks ( none of which I 've ever even heard of  )!  That  's    XXXX   hard inquires on my credit on the same day! That 's it in a nutshell.
Product: Checking or savings account

I wasn't reimbursed any of my money from the erroneous fees which lead to bill payments to be sent back to the companies stating " insufficient funds '' even though funds were in the account ( i.e. money market/savings )
Product: Bank account or service

I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.
Product: Payday loan, title loan, or personal loan

First loan was paid off in 2021. It was a five year contract which means it was during XXXX and it was an overpayment technically. The branch refuse to refund me for the overpayment amount after I got the second loan, requesting for a plan after losing my job, having XXXX, leading to the branch then pulling my credit after they verbally told me by I wouldnt get a loan and threatened to Repossess the vehicle. I also believed they shared my consumer information after I explained I was buying a house and was approved for the house.
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 federally protected consumer rights to privacy and a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

On Q Financial has reported us XXXX days late on our mortgage. We have resumed payments after our forbearance back in XX/XX/2021 and have not missed a payment since. This has negatively impacted our credit. We are XXXX scores and are dropped down to the XXXX. Secondly we are still waiting for a final statement from XXXX XXXX regarding the closure of our forebearance as well as an updated and corrected balance. On XXXX puts us through massive phone trees when we call in and when we leave messages for higher ups we never receive a phone call back.
Product: Debt collection

I was tricked into signing up for this XXXX account I was told I could get it if I applied for XXXX if I didnt have the money upfront so I did and I got approved I think for XXXX $ XXXX thought that was that the person that came over didnt tell me the total cost of what I was paying and that I would owe even more than what I got approved for. Before I could figure anything out and after services were rendered I got this big bill. I ended up getting XXXX n got rid of house n security system and they decided to add this balance to my account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I wrote the XXXX credit reporting agencies regarding unauthorized inquiries. They have not sent me information as requested regarding validation of said accounts that obtained a copay of my credit report. I have attached a color coded copy of my credit report inquiry section highlighting the unauthorized inquiries. On the dates of the unauthorized inquiries, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I only authorized XXXX XXXX and XXXX XXXX access to my credit report, as those are the ones I have an account with. Anything outside of that I did not give consent for. 

I also previously disputed late payments for XXXX XXXX, they are reporting all payments on time to Transunion, but still showing a XXXX XXXX late status. Please correct. A highlighted copy of my credit report is attached for this item. 

In addition to XXXX, I also disputed an incorrect late payment with XXXX XXXX. As you can see, they are not consistently reporting the month of the alleged late payment. On Transunion and XXXX, they are saying the late payment was XXXX. On XXXX, they said it was in XXXX. This is inconsistent and inaccurate. As you can also see, they are not showing this account has been disputed, this shows they have not accurately investigated this account even with the submission via the CFPB portal. I demand these be deleted due to CONSTANT negligence. I will submit a FTC report if this is not corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX received a email from Paypal saying my balance of {$300.00} was on hold for 180 days and my account is now closed, with no details as to why. Only referred link to possible violation of terms, which is countless terms of various topics as to why accounts could be terminated. So shortly after contacted support via phone support, was told they don't disclose reasons as to why the closure, and have fair right to withhold funds on balance for 180 days even if with any non or current compliants ever on record against my current character as a person or consumer. Was told for myslef to file for supmonea to force them to supply why to me..Which is non-sense, one as lay person I cant directly optain Suponea from a judge. Would have to file police compliant then they file to prosecutor, and then prosecutor optains a would be suponea for myself. Which surely could take actually over a year to do. I don't know why they won't ever give a account holder as to reason why ever in any situation. In terms of exact mis conduct done by account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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
Product: Mortgage

Well Fargo Home Mortgage continually increases the escrow. Wells Fargo claims that they see a change in my tax 's and home owners insurance policy. This ca n't be true. Our taxes have not gone up ever in the 15 years we have lived here. Yet Wells Fargo insists that they do go up and so does our home owners insurance cost. I myself setup XXXX veteran services home insurance policy and XXXX has not informed me of a policy increase. This problem with Well Fargo continually says that the monthly payment most go up to cover they costs that should never happen and this is the 3rd time. Wells Fargo refuses to prove that every time they raised the monthly cost of the escrow they actually had a real reason. We have even being paying more then the monthly amount due by nearly XXXX $ more each month and yet ... Wells fargo says we have s shortfall in the escrow, which is impossible. We believe that they are misleading us and not using the escrow account as they are contracted to do in our mortgage.
Product: Checking or savings account

On XX/XX/XXXX approximately XXXX my hotel room door was kicked in and I was assaulted. My Laptop, cell phone and wallet was taken. The XXXX XXXX was called and they took a crime report # XXXX. I tried to report my Credit & Debit cards as stolen to the bank USAA but they did not open until XXXX. So at XXXX XXXX I reported both cards as stolen and gave them the crime number but they did not seem interested in it. I have been calling for oveXXXX XXXX  months demanding my XXXX back. I informed them they only had 45 days to investigate. They just don't seem to give a XXXX that I'm a XXXX XXXX XXXX Vet who is on XXXX  XXXX from XXXX  and XXXX  and XXXX XXXX. I receive only XXXX XXXX a month and can barely pay for my meds, eat and bills. I have escalallted this all they way the the CEO level agent, but to date my account is NSF and my family, cant even send me money as these charges will eat them up. On XXXX My Checking and Credit card were in perfect standing. Now USAA has Embezzled my money. I entrusted my money in their care, they refused to give it back and they have made money off my money. I dont give a XXXX if its .0001 % on their scale. When I was a XXXX  I arrested people for these charges. I want my money back and accounts placed the way they were. The moment I reported the crime, my liabilited stopped at XXXX XXXX  on the XXXX.
Product: Debt collection

Constant phone and postal mail contact for years, have requested a stop to it with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I was a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX  Date of Inquiry : XXXX CXXXX XXXXXXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Auto Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX  Date of Inquiry : XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Student loan

I filed for Federal Student Loan Forgiveness and I recently heard back that I was denied because they are only counting the payments I made since I enrolled in their consolidation program ( 3 total ) towards my XXXX payments ( which I definitely reached years ago ). When I spoke with a representative, she said that the initial paperwork for forgiveness may have been processed prior to my being enrolled in the consolidation program and that I should reapply for the forgiveness now that I am enrolled. Basically, their payment count is over XXXX payments short of what I have paid towards my loans over the past XXXX years.
Product: Mortgage

I applied for a small mortgage with Wells Fargo at the end of XX/XX/XXXX. I had 2 other mortgages with Wells Fargo stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting processing with Wells Fargo I feel I was subjected to unnecessary and unreasonable request to deter my purchase of the new home. 
I would like the Consumer Financial Protection Bureau to investigate XXXX XXXX actions into the underwriting process. I had several issues for example. 
1. I was requested to provide title documents for a house I purchased in XXXX to which Wells Fargo is the lienholder. How is this relevant to the current property purchase? They should have already had a copy since they held the lien on the house. 
2. I was requested to provide a copy of the property tax payments for two properties that were owned under my XXXX XXXX. The payments were provided, however Wells Fargo didnt not recognize the late payment fees and requested that I provide the exact billing invoices for the amounts paid. The invoices would not have been exact if late payments were applied to the payment. The state does not send out updated monthly payments due on real estate property taxes. 
3. Wells Fargo requested that I liquidate funds from my XXXX then asked for an explanation as to why I liquated the funds. 
4. At the time I applied for a mortgage I was on XXXX XXXX XXXX from my job. Wells Fargo requested that I provide a letter from my job stating when I would return to work. How would my company provide such a letter since they are not doctors. 
These are just a few of the items Ive had to deal with while trying to obtain an approval from Wells Fargo. I felt like I was being discriminated against. If you review my Wells Fargo document requirements and all the letters of explanation and exceptions to obtain approval you may understand my point of view.
Product: Vehicle loan or lease

On XX/XX/2021, I paid off my loan in full with Capital One Auto Finance on a XXXX XXXX XXXX. As of XX/XX/2021, after more than 20 phone calls I have yet to receive my title and am continually told 5 to 7 working days to address my issue. I have spoken with customer service, titling department and various resolution experts with no results. I am still awaiting my title 90 days after the loan was paid in full.
Product: Debt collection

They call constantly and do not leave messages to call them back. Ive tried reaching out with no luckZ
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is XXXX me out and making me XXXX Hope you can address this soon, please.
Product: Mortgage

I have a escrow account for taxes and insurance. The mortgage company is failing to pay insurance. In XXXX they didnt pay my hazard, causing a end in my insurance caused many problems to get reinstated. They did not pay in XXXX, I had to pay out of my own pocket, now they want me to get there insurance at a higher rate ( just like in XXXX ) they will not reimburse me or verify my hazard insurance with XXXX XXXX XXXX XXXX California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax poorly secured my data in their system and now that system was exploited and my data as well as the data for hundreds of thousands of others may have been compromised. Credit freezing for all impacted users should be free of charge rather than me having to pay a fee back to Equifax. 

It 's unconscionable that Equifax is profiting after their lack of security to protect our data.
Product: Credit card or prepaid card

THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over XXXX score with each agency, no negative information, and have been at same address for 7 years, no name change in my life, have opened many credit and bank accounts without issue over decades. Just this year turned down twice. Contacted Equifax for my credit report, and see they show me at a prior address in XXXX, despite showing I've been paying the mortgage on my current place for over 7 years! They also show me still working for XXXX XXXX, XXXX miles from where I've lived since they eliminated my position in XXXX! Although it is more than 12 years out of date, I only see an option to dispute that I EVER worked there. Called this evening and spoke with XXXX, who said she couldn't drop the XXXX XXXX XXXX erroneous employer until I had a new one to put in it's place, " company policy ''. I can't even figure out how to put a note on the report saying that they are willfully presenting false data, and surely, this is costing me quite a bit of money since I can't open a hi yield checking account due to their misinformation.
Product: Prepaid card

COVID XXXX bank of American Edd account my name Is XXXX XXXX XXXX over 20 times there was a fraud freeze on the accounts and hours everyday getting it in frozen over 5 times I had to find a branch go in there and prove it was me fraudulent charges over XXXX dollars in fraud charges was lost and they just treated me like it was my fault and at least 20 times of over charged fee ATM on the account two people had stolen my identity and I had to have a assemblysm for ca  and XXXX XXXX on your side just to finally get the benefits and after I got them every time I used the card daily fraud freeze where put it there and hours spent getting the funds open again multiple times charges that where not I'm where on there and I call the bank and they issued mye a new card but didn't put the money back on there and it was the worse experience I've ever dealt with literally every transaction action would put a freeze on the account over the course of two years 200 hours spent getting the fraud freezes lifted and the very next charge it was block again and with that process being so bad the charges that happen that where notine I told them fill out the form to report but never got any funds replaced my ss XXXX open account at Edd four months after coivid happen and didn't receive any benefits for a year and after that it was the worse experience I've ever dealt with
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from amex seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe. 

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and amex is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.
Product: Checking or savings account

There is a promotion on Chime that says you'll get a refund on car insurance, but have yet to receive anything when I did switch. I switched to XXXX.