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

I have a businnes checking account w8th Wells Fargo for XXXX XXXX XXXX XXXX On XX/XX/2022, i have deposited the amont of {$97000.00} transaction # XXXX, check # XXXX i have a claim # XXXX Since i have deposited the check my life is devastated all my vendors, taxes, payroll and business and home expenses and payments are in the air my, Wells Fargo is constantly cherging me fees as well and 3very time i call they are telling me that my case is getting investigated and answerw readen from their prompter. 
This is the mistake of the tellel and their mistake that nobody takes responsibility for my business and life is ruined and devastated because of this. 
Need help on this matter for the msutake of Wells Fargo and won't release my business deposited funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. Experian is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX  stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
XXXX inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Also XXXX XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies were made aware of fraudulent accounts furnished on my report in XX/XX/2023 Credit reporting agencies failed to follow guidelines and meet compliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. TRUIST BANK reported a New Bank/Credit Card to my XXXX Credit File which I no way requested. I watch this regularly and found this issue timely. I started a dialog with Truist. I worked with an investigator who was professional but ultimately unable to resolve the issue. Each time I called I had a higher burden of identification, starting simple with address, name on account and so on. This escalated until ONLY my SSID and birthdate would suffice. Note also that they never provided me an account number only a partial one that they would never acknowledge. I explained as plainly as I could that I have no real idea who I am speaking to and not inclined to provide this highly confidential info while I am already a target of fraud. They indicated to have the activity removed they require a high burden of documentation including a police report. They would not help with this nor did they seem to acknowledge any responsibility. I finally agreed to do that and provided the information timely. That is when I made my final call to verify docs were received. What transpired next made me uncomfortable. During each call I got a notification that the call is being recorded. Not a problem, however, by now I have lost faith so I indicated to the agent at Truist that I am ALSO recording the discussion which I was. She indicated that while she is recording she can not continue the discussion if I am recording. At that point I told her we had reached an impasse, that I would not call back, and I disconnected the call. This activity is still on my credit report at this time. I firmly believe that this has something to do with the fact that if they can keep this on my report it won't end up on their report ( which is where it needs to be ). I wish I could attach the police report, however I sent it to truist and I am not inclined to retrieve another one.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan to consolidate debt with XXXX XXXX some time ago. With this loan, the monthly payment amount was about $ XXXX, so I set my personal bank account to send a check every Friday for {$200.00} ( So, $ XXXX $ XXXX ), keeping me well on schedule for loan payments. 

In XXXX of XXXX XXXX XXXX apparently got out of the personal loan business and turned everything over to " Systems & Services Technologies, Inc '', or SST. THIS PROCESS HAS BEEN A NIGHTMARE. Seriously, XXXX this SST company and see how terrible they are. 

I've been dealing with them since they took over - My bank has been sending them {$200.00} payments, every Friday- which I have record of. SST processes some, doesn't process others, waits until it's been 180 days+ so the checks get declined, etc. All of this compounds additional interest on my account. 

I requested everything they had on my account back in XXXX and they failed to provide me with this information. 

I called today, again, to request this information. While doing so, I checked my credit report to find that they've written off the account and notated on my credit report that it's " Bad Debt '' - greatly impacting what was a XXXX Credit score. Speaking with this poor SST rep, he's like " Yeah, I see where you made a bunch of payments in XXXX and another batch in XXXX [ or maybe he said XXXX ] '' and I'm like, yeah, I bet those were all {$200.00} payments. He confirmed that - and it's not that I made a bunch of batch payments - it's that they didn't process them when they received them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is furnishing inaccurate information to my Equifax credit file. Collection account XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.
Product: Credit card or prepaid card

I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple. 
They had me install any desk on my phone and were able to see into my accounts and transfer money.. 
I contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault. 
I thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have. 
Since the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!! 

Apple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay. 

I spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened. 
As a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized. 
Then again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand. 

I again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them
Product: Credit card or prepaid card

My name is XXXX XXXX and i been a customer for over years now. Its says if i get a direct deposit of XXXX $ i would not have to pay a monthly fee. Ive been charged for years i never spoke up. Rite now it is over XXXX . I get a direct deposit over XXXX $ every month for over 3 years. I wiuld like all that money back into my account. The American Express company is stealing money from me for over 3 years for a charge that should be free. You have all my information, please correct what you are doing.
Product: Mortgage

I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX
Product: Mortgage

On XX/XX/2020, as authorized by Section 4022 of the Coronavirus Aid, Relief, and Economic Security Act ( the Act ), I requested a forbearance request of mortgage payments for the next 180 days. 

As stated in this act, upon receiving a request for forbearance from a borrower under subsection ( b ), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened. The forbearance shall be granted with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance ... 

However, when I heard back from my mortgage company they only granted me a 90 day forbearance and not the full 180 days as stated in the above mentioned act.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB.On XXXX the XXXX of XXXX XXXXXXXX XXXX verified the information on my account as accurate. The account in question shows " CO '' ( Charge Off ) status repeatedly after the Date of First Delinquency ( DOFD ), even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the XXXX XXXX account number XXXX. the account shows repeated " CO '' ( Charge Off ) notations, which is misleading. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated 'CO ' suggests multiple charge-offs, which is inaccurate since a charge-off is a one-time event. This ongoing inaccurate reporting may constitute a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and a victim of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Product: Credit card or prepaid card

CitiBank recently closed my accounts because I accidentally clicked the wrong payment account when I paid it ( they closed both accounts even though the accident was only on one of them ). This was an extra payment, so I had not been late even one time in years.

I had been paying my amounts down with money left over at the end of the month.

When they closed my accounts, I panicked and opened new credit card accounts knowing that the closed accounts would harm my credit.

Now, they admit it was a mistake but can not restore my accounts because I opened those new accounts, which I would not have done had they not closed my accounts in the first place! 

Now, this is going to destroy my credit which I have been trying to rebuild after my divorce.
Product: Credit card

I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.
Product: Checking or savings account

Purchased a vehicle from XXXX of XXXX. Vehicle was defective. A {$2000.00} deposit was put down on the vehicle and the vehicle was returned. The {$2000.00} was not returned to my account. Chase refuses to assist with the request and provide refund. Chase Bank has debited my account and refuses to acknowledge issue with merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I ask this company to remove bankruptcy more than once they keep Verfied I wan na know out they lieing to me because I dont have bankruptcy
Product: Credit reporting

XXXX XXXX went out of business years ago. I had an account with them in XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX, Transunion, and XXXX. 
I am writing today because there are inaccurate reports on my credit. I tried to have them looked into by a repair company only to have them add the erroneous companies add it back to my credit changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Included is the list of erroneous reports. The reasons I'm calling them errors is because the days aren't correct, they are not the original debtors, and I have know way of knowing who or what I owe. Thank you very much for your attention in this matter. 
XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO CREDIT SCORE DROPPING W/O VALID REASON! 

In the month of XX/XX/XXXX, I was notified TWICE by Experian, that my FICO score had dropped - once by 9 points on XX/XX/XXXX from XXXX to XXXX and again by 3 points on XXXX XXXX to XXXX. I ran a credit report on XXXX XXXX which states at it's very end about my FICO Score 8 - " you have NO negative factors impacting your score ''. This report states 1 ) No missed payments 2 ) Long Credit History ( 23+ yrs ) 3 ) Recent card usage 4 ) Substantial installment loan repayment ( mortgage ) I have 2 Credit cards & I pay them in FULL monthly ( exceptional payment history ) & we pay extra on our declining balance on our joint mortgage ( never missed a payment ). 

I called Experian about this matter TWICE. I called on Sat. XX/XX/XXXX & was advised to call on a weekday. I called on Monday, XXXX at XXXX XXXX & was rebuffed from speaking with a Supervisor & also told that there was NO EXPLANATION to give for this. He agent stated " I am not a credit repair person '' - he gave me a laundry list of " why '' a FICO score could decline, but NONE of them apply. He had nothing else to offer except to try to SELL me " credit repair '' services that I do not need. I was NOT given ANY further opportunity to address this matter with Experian. 

I am concerned about my FICO score dropping further and further, as there is no evidence of any fraud & I AM using my credit responsibly & paying my bills in FULL monthly. I feel I may be targeted or something as I have no explanation for how someone with a decent income, who is receiving e-mails from Experian congratulation them on " low utilization '' and other such markers, could then have them drop their FICO score? I do not know if it is because of my age or gender, but it seems to be not tied to my actual credit usage, payments or income, or any other actual markers.