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

XXXX, 2022 XXXX charge to my Wells Fargo Business Debit Card {$690.00} for new computer. I called XXXX XXXX @ XXXX. Spoke with XXXX XXXX, & after repeated calls, they issued cancellation # XXXX. They claim a refund for {$690.00} # XXXX was issued. This was a scam. They then charged my Wells Fargo Business Debit Card on XXXX XXXX with XXXX fraudulent transactions, including an unauthorized, fraudulent WIRE TRANSFER ON XXXX FOR {$24000.00}. 
I have NEVER made a wire transfer from this account, or my Personal Wells Fargo account. I do not conduct on line banking with Wells Fargo or any other bank. 
I have tried on numerous occasions, for many hours, both with XXXX XXXX branch, with XXXX XXXX XXXX XXXX Regional Director, and with XXXX XXXX XXXX XXXX Case Specialist, case XXXX. All efforts have been in vain, and hours have been spent attempting to recover the {$24000.00} fraudulent wire Transfer.
Product: Debt collection

Date opened XXXX XXXX XXXX  Collection account amount {$1600.00} I filled a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered the presence of two credit card accounts on my credit report from XXXX XXXX XXXX XXXX and XXXX Card Services XXXX. To my surprise, the account details indicated that these accounts were opened in XXXX and XXXX, respectively. It is important to note that these accounts appeared on my credit report XXXX years after their supposed opening dates, and there was no record of any credit inquiry by XXXX. Despite multiple attempts to dispute this inaccurate information, the credit agencies insisted on verifying it. 

In response, I took proactive measures to protect my credit by placing a security freeze on all three major credit files, including the secondary reporting agency. Fast forward to XXXX when I opened a business checking account with XXXX Bank. To my dismay, I discovered that the two credit card accounts were still listed on my account profile. Understanding the seriousness of this matter, I immediately contacted XXXX 's fraud department to request the removal of these erroneous accounts. They conducted a thorough investigation and successfully removed both accounts from my profile. 

Although all three credit agencies have since removed this inaccurate account from my credit profile, it is disconcerting to note that Innovis continues to claim that they have verified the information, which is clearly not the case. I kindly request that Innovis conduct a comprehensive investigation into this matter and rectify the situation by promptly removing the erroneous account from my credit profile. It is crucial that my credit report accurately reflects my financial history, and the presence of this inaccurate information undermines the integrity of the credit reporting process.
Product: Student loan

My federal student loans were transferred from XXXX XXXX to MOHELA. When this happened, my loan repayment plan was changed from income-driven to a higher cost level plan. 

I provided MOHELA with documentation confirming my income driven status with XXXX XXXX but MOHELA refuses to update my repayment plan status to reflect the correct repayment plan. 

Ultimately, MOHELA changed the terms of my loan repayment plan without my consent or knowledge when the loans were transferred to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXX XXXX  XXXX- The account number XXXX associated with XXXX XXXX XXXXXXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX XXXXs questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that I have marked as inaccurate XXXXXXXX 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 lust recently looked at my credit report XX/XX/XXXX. XXXX. I saw some hard inquiries that did not have permissible purpose. also attached evidence 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 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX  Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries 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 Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 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 suspect the information to be inaccurate.
Product: Credit card or prepaid card

CITIBANK TREATS ME HORRIBLE THEY HANG UP THE PHONE ON ME THEIR APPLICATIONS DEPARTMENT IS RUDE AND XXXX  AND SUPERVISORS EVERYONE THIS COMPANY HAS TO BE RESEARCHED AND INVESTIGATED THEY TREAT ME HORRIBLE THEIR XXXX OFFICE DOESNT CARE ABOUT MY CASE THEY THINK ITS RESOLVED WHEN THEY DID NOTHING FOR ME THEY HAVE A LADY XXXX XXXX SHE REFUSES TO RETURN MY CALLS OR ANSWER OR CALL ME BACK I WAS DECLINED FOR A CREDIT CARD ITS NOT FAIR I NEVER FILED BANKRUPTCY WITH THEM BEFORE OR WAS CHARGED OFF OR LATE AND THEY SEND ME A LETTER SAYING MY CREDIT PRIVILIGES ARE RESTRICTED ITS NOT FAIR I WAS DECLINED FOR MY XXXX ONLY FOR THIS REASON BUT IF I APPLY FOR ANOTHER XXXX XXXX  I AM NOT GIVEN THIS REASON ONLY THIS CARD ITS NOT FAIR IM A MEMBER OF XXXX AND ALLOWED TO HAVE THEIR CREDIT CARD HORRIBLE EXPERIENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion forgot to remove 3 inquires from previous complaint.
Product: Debt collection

Ok the company LVNV funding I sent them multiple letters stating that they were not allowed to keep collecting on a debt. And they were supposed to cease collection attempts when I sent in those notices.

15 USC 1692 g ( b ) b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

15 USC 1692g ( c ) ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

This company kept trying to collecting in this debt and did not cease collection efforts and still was on my credit report thru the times that the debt was supposed to be getting validated. This is a direct violation of the FCRA and needs to be removed from XXXX and also XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive the XXXX XXXX protection promised from Equifax. In XX/XX/XXXX, my husband and I found out were impacted by the Equifax cyber security incident, through the site Equifax provided. Both of us applied for the free XXXX XXXX XXXX service. Yesterday, XX/XX/XXXX, I found out I never had the service. 
On XX/XX/XXXX, I received an email indicating Equifax/XXXX were working on my activation and they were sorry for the delay. My husband received the same email. Yesterday, XX/XX/XXXX, when I tried to log in to extend my service, I could not access the site. My husband was able to access the site. That afternoon, I called the number on the email and was asked a ton of verification from XXXX. After providing all the information requested, XXXX said my enrollment wasnt completed because more information was needed, so she provided another number to call. 
That evening, I call the number provided and waited on hold for over 45 minutes. While I was waiting, I called the first number to make sure I had the correct number. The representative tried to tell me about another service that didnt provide the same features I should have received. I asked to speak to a manager and was put on hold. About 50 minutes into the other call, XXXX, the representative answered. After providing all my verification information to her, she said the system wasnt allowing her to do anything. I asked for a supervisor and she asked if she could put me on hold for 2-3 minutes. Needless to say another 11 minutes went by before she came back and said XXXX, the supervisor would call me tomorrow. I asked for XXXX name and she said she didnt know. I asked who I could contact since no one from Equifax didnt contact me since the email on XX/XX/XXXX. She provided the Equifax site email. I asked if I could wait on hold for a supervisor. She put me on hold for another 5 minutes and XXXX came on the line. XXXX said he was a supervisor and couldnt give his last name. He said he understood my situation that I was not happy with the service. I corrected him and told him I didnt have the service, that was my issue. He said someone would call back. I found another number on the Equifax site and was taken in circle yet again. 

The bottom line, I never received the service and Equifax isnt doing anything to make sure I receive the level of service I should have been provided. I see why there was a cyber-security breach. Equifax was supposed to be watching, but wasnt.
Product: Consumer Loan

I have experienced financial difficulty. From the beginning I was in contact with Tower Loan to let them know I was trying to get them paid but I was struggling. From the beginning they were very rude to me. My first attempt to get the past due debt taken care of was going through a debt consolidation company. When I told tower loan this i spoke to XXXX who was the manager at the time and she said she would make a note of it. After that she never called me. I was advised to send my creditors a cease and desist letter to all my creditors so I sent one to tower loan. There was a change over in management and someone showed up at my house about a month after I sent them the cease and desist letter. I found that totally uncalled for. I had n't received a phone call from them in a long time so I did n't understand what gave them the right to show up at my house. That night is when the phone calls started. 10 minutes after the lady left my house XXXX from tower loan in XXXX. I informed her someone had just left my house so there was no reason for her to call me. I told tower loan again that I was going through a debt consolidation program to get them taken care of. They then told me that they had turned my account over to an attorney to start the process to garnish my wages and the only way that would n't happen is if I paid my account current. At this point they were trying to scare me into paying my account current and they were not willing to work any payment arrangement out with me that did n't consist of getting the account current. At this point I was so scared of them garising my wages I contacted a bankruptcy attorney. I ended up retaining XXXX in XXXX mo and I cancelled the debt consolidation. I told tower loan that I was sorry but I was filing bankruptcy. They were agan very rude to me and told me that evendors though I was filing bankruptcy they could still take my belongings that were secured. I let her know I had discussed that withe my attorney and that he was going to take care of it all for me from here on out. She told me that they would fight to get my belongings from me. I again asked them to not call me. She informed me that until they had a case number they would continue to call me. I told her that I was tired of them harassing me even after I sent them a cease and desist letter to tell them to not contact me and she said they would still call me. This has continued long enough and I am tired of them treating me like dirt and calling me daily when they know what is going on. I am filing bankruptcy and they attorney has been retained. I do n't feel like there is anything else to say to them but I ca n't get them to stop calling me and harassing me. I have asked them several times and they refuse to quit calling me
Product: Checking or savings account

This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.
Product: Mortgage

I have NEVER been late with a payment on this loan. 

Yet, Chase bank routinely harasses me with collection threats that they state are required by Federal and State law. 

Not all correspondence contains these threats, only some of the correspondence I receive. 

Provide the Federal law, State law, rule or term of the note that Chase routinely refers too that affirms the threat contained on some of the banks correspondence and made during some of their telephone calls : " This communication is an attempt to collect a debt and any information obtained will be used for that purpose '' ; " Any payment you make on the account is voluntary, but we still have rights ... ... including the right to foreclose on the property ''. 

Chase has been told that these threats are unnecessary and are deemed by me as harassment. They have refused to stop and asserted that these " threats '' are some how required by law for folks who are not late and/or never have been on the loan. 

So Chase, provide the laws that you are referring too. 

My suspicion is that there are no such laws requiring such threatening language to folks who pay on the note as required. So, if I 'm incorrect about this issue then cite the Federal and State law ( s ) you 're referring too.
Product: Debt collection

this account is a mistake in my credit report, some one trying to apply for in my name ... and in my credit report says that i have to pay {$0.00} for that, i can not stant that...
Product: Mortgage

On XX/XX/XXXX we paid our loan in full with a wire transfer. We received an escrow review from Loan Depot indicating we were owed {$6800.00} for combined overpayment and escrow balance. As of XX/XX/XXXX ( 21 business days and 31 calendar days after payoff ) we have not received the funds and have been told that we will need to wait a minimum of 45 days before anything can be done to address the escrow account balance. Further, we have been told that the monies can only be sent by check and that electronic transfer of the funds is not something they will do. I have called once per day on XX/XX/XXXX, XXXX, XXXX and XXXX. I have been told various dates that funds were mailed or that the funds were pending release, but couldn't say why there was a hold.