23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow customers to unfreeze without either A ) sending social security documents ( social security card, driver 's license and utility bills ) through the mail addressed to " Experian Credit Freeze. '' or B ) paying {$24.00} per month so that customers can lock and unlock credit at will. 

This is explained in an " educational '' article about the difference between a credit freeze and a credit lock. Within the article, scare tactics are used to influence the customer to buy " Creditworks '' by citing fraud and the darkweb. https : //www.experian.com/blogs/ask-experian/whats-the-difference-between-credit-freeze-and-a-credit-lock/ XXXX and XXXX allowed me to easily unfreeze my accounts free of charge. Experian gives the illusion that credit can be unfrozen easily by retrieving a PIN. This does not work and ends with a page about how to send in a letter with copies of ALL important documents. The outside of this envelope must say " Experian Credit Freeze. '' This seems to be a huge flag to anybody attempting to steal somebody's identity because the mail parcel is sure to have personal information in it. 

It is not fair that I have to choose between paying money or taking on a fair amount of risk to unfreeze my account. Not only that, but we are trying refinancing our home while the rates are so low. This is going to take a lot of time to have resolved by sending in my information by mail to the company. This will impact the rates that we can get on the refinance. 

There is no customer service to help me remedy the situation. The numbers given on the website use computer-generated options menus and do not have any options to speak to a person.
Product: Money transfer, virtual currency, or money service

Around XXXX late XXXX I had XXXX XXXX. I got a XXXX XXXX check issues from my job XXXX ( XXXX XXXX XXXX ) anyways it had to go through the state and through payroll. So long story short I never received my check. So I ended up asking my boss what I should do he said call HR see if it went through so I did and it went through so I looked on the XXXX app to confirm HR wasnt making stuff up. Anyways it was on there with the last four digits of my account number and all that info. Long story short I called chime and they said theyd look into it and basically said the check hasnt cleared. So 24 hours later I call cause my boss said somethings not right so I did. Chime said Ive never used direct deposit with them and I showed them the transaction number from my jobs end and the picture of my pay statement. Chime basically said I hope you get your money soon. So then I ended up using the messaging thing on chime and I got screen shots of them refusing to help me. And I have proof that the money never hit my account. I told them I need my money and HR wont stop bothering me cause they can get in trouble if I dont get my pay. So chime basically told me tough luck. XXXX something dollars. Its been about a month. I said Id give it XXXX weeks but its been to long already. I need my money from chime and I wan na sue them. My employer will send me any additional info you guys need and Ill get all the info I have together of screen shots of me trying to resolve this issue. This is the 2nd time. But now theyre saying I never used there direct deposit? But whats funny for 6 months I have and actually I just got my direct deposit yesterday proving theyre lying on there end.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX XXXX XXXX This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all XXXX late payment entries be permanently removed from my credit report across all bureaus ( XXXX, Experian, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

Wells Fargo was notified on XX/XX/2022 that the account ending in XXXX was not opened by me. It appears Wells Fargo continues to open accounts using customers identities without authorization. This account was opened as a Result of Identity Theft. I did not sign any account opening documents, Nor did I receive any account opening packets. I did not receive a debit card. Wells Fargo had 1 direct deposit from a XXXX XXXX ( XXXX XXXX ) That is not my employer either. My Employer is XXXX XXXX XXXX. Additionally, I got a very harassing call from Wells Fargo, of course I did not answer because I am working and I do not have time to respond nor answer Wells Fargo 's harassing calls and or emails. I am a victim of identity theft, I did not provide Wells Fargo with my Drivers License, Nor Social Security Card, Nor Passport. Wells Fargo did not verify my identity prior to opening said account, The account is not authorized, was not authorized. Yet I believe someone internal in Wells Fargo Opened the account, It must be someone from the CLAIMS Department that called to Harass me. None the less, I do not accept Responsibility for an account I never authorized. I have come to learn my email address was also hacked, and I was able to recover that with XXXX. I explained the identity theft situation. I called the CFPB and advised my account may have been hacked here as well. They were able to change my password and make sure the account was and is secure at this time. So previously complaints would not have been submitted from me. That has been rectified. Wells Fargo still allowed the fraudulent account to be open. I did not receive a debit card for this account, so I am not sure where that went or who opened it or received that. It did not come to my address. Wells Fargo continues to cause Identity Damage. This is not acceptable for people who are victims of identity theft. I want this account closed, and the username associated with this account or account 's closed as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account has already been disputed and deleted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duty to Assure Accuracy this account has already been deleted by XXXX XXXX XXXX XXXX XXXX Furnishers of Information , Furnishers must not report inaccurate or incomplete data to CRA 's
Product: Debt collection

I request that you validate this debt in accordance with the Fair Debt Collection Practices act ( FDCPA ) please provide. 

1. proof that his Debt is valid and that I owe the balance stated.

2. a copy of the original signed contract and purchase agreement between myself and your company of the original creditor.

3.the complete payment history of the debt, including any charges or interest added.

4.Documentation of your authority to collect on this debt, including proof of assignment from the original creditor. 

if you can not provide proper documentation to substantiate the validity of this debt, I request that you remove this collection account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), any information reported to the credit bureaus must be accurate and verifiable. Failure to provide adequate validation of this debt constitutes grounds for removal from my credit report. 

Please consider this is formal dispute and an official request for debt validation. You are required by law to respond within 30days. If I do not receive Validation I expect the removal of this account from my credit file.
Product: Mortgage

I was furloughed through a XXXX XXXX XXXX back in XX/XX/XXXX fo 30days and submitted documentation for that months payment to be but on the back of the loan. The morthage company " MR COOPER '' replied a few months later that they would not do it. all of my other accounts such as XXXX had no problem with doing this for me. This past XX/XX/XXXX I sent a bank check from XXXX XXXX XXXX in the amount of XXXXthey claimed to they didn't receive it. after weeks of waiting for it to post to my account. So i had that check cancelled. They then issued a direct check via XXXX XXXX and it was signed for by someone within the company " Mr COOPER ''. The check was recieved and signed for by a XXXX XXXX on XX/XX/XXXX @ XXXX as per the XXXX XXXX tracking Number. I spoke with them today XX/XX/XXXX @ XXXX and was told that they have not received the check. 
The last time i spoke with them a month ago, they stated that they have the check and it would be taken care of along with all the previous derogatory reports back to the letter that i sent them. after talking to their escalation department, they said once again they don't or can not find the check even after i supplied them with the tracking number and bank information. In short i have researched this company and found a host of negative dealings with other customers. Furthermore i told them that this is affecting my clearance levelat mt place of employment, to which they brushed it off.
Product: Mortgage

On XX/XX/XXXX, I was sent a XXXX-Covid 19 Recovery Loan Modification Approval by PHH Mortgage which I was to accept the offer and return by XX/XX/XXXX as my forebearance ended which I sent USPS overnight XXXX XXXX ) to the XXXX XXXX XXXX XXXX XXXX I received another package in XXXX of the same documentation with a new payment amount which was to be returned by XX/XX/XXXX, which was not a business day. The package arrived to the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ). The first payment of {$1700.00} was due by XX/XX/XXXX which I sent. I received another package in XXXX which was notarized by the bank and next to my name they placed my driver 's license number, I received a call from the mortgage company that they only needed to put my name. I requested that they send out a notary to my home which they did this document was to be returned by XX/XX/XXXX and was received on XX/XX/XXXX. I received a call from the company on XX/XX/XXXX that I needed to sign the document in a former name not stated in the mortgage documents. The representative sent an email with a document to show how it is to be signed but never sent an updated package so when I go to any notary they are saying the date is passed so it can not be notarized. To this day I have not received an updated document but she stated that I have until XX/XX/XXXX to return the document. I did get it notarized and was picked up by the company on XX/XX/XXXX ( XXXX ) XXXX explained that these documents were to be updated since XXXX  and I do not understand why the document is still showing a name that I don't have any identification for and the mortgage note have the current name on my id only. There was no document with the name that they needed me to sign in and it was not explained to the notary they sent. With that my modification was denied but they are not putting the real reason they are saying it was denied because documents were received late. None of my documents was received late. I followed all guidelines. This company need to honor the agreement and if there is something that needs to be done with the Title then they need to find the documents that was sent since XXXX PHH mortgage is not following XXXX Guidelines and something needs to be done.
Product: Credit reporting or other personal consumer reports

Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a XXXX statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!
Product: Debt collection

Messerli & Kramer PA sent a guy to my parents home where I do not live to give me papers that said Im being sued by my old credit union for a car that had and it was repossessed. The issue is I spoke to my old credit union XXXX XXXX  and was advised that they dont sue for a car that was repossessed. The car was given to my brother who ran into a financial crisis and couldnt pay the note by the time I got ready to take back over the note it was to late. Messerli & Kramer PA never sent me a notice saying the account was with their office. The only I received was from XXXX XXXX after the car was sold at the auction advising me of what was left over. This car was repossessed in 2015 and now Im getting a notice from this agency saying XXXX XXXX is suing me. My parents were very upset that this random man showed up to their home looking for me and then the papers he had werent sealed in an envelope they were paper clipped together out in the open for anybody to see my personal business. I wrote Messerli & Kramer PA a letter advising that I cant afford the now XXXX dollars that they say owe when the balance per XXXX XXXX is only XXXX dollars. Ive been working with my brother seeing how much he can afford to pay towards this so that I can get this resolved. Im currently in a financial situation myself and there is no way I can afford XXXX plus being told that Im going to be sued.
Product: Checking or savings account

Pnc account member. Pnc bank will not allow its members to link outside or online financial institutions such as acorns investments. Been trying to for over a year. Customers should have a say or have an option to allow such institutions to access their account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a credit alert that an account was opened in my name by a company name XXXX . I called the company and was advised by an agent the company I originally had since XXXX ( who I did apply for ) was closing and the new company name is XXXX. Ive been giving credit limit to off set the closing account XXXX. I told the agent NO thats illegal. I didnt apply for the new card and dont want it. I did inform her the only reason why I kept XXXX open was because it was my longest account on my credit. I never received a letter nor email to opt out of their offer. When I called and threaten to sue them they closed the account. I disputed the account with Experian in the attempt to remove the account from my profile. I requested for Experian to provide me with the credit application and source in which I applied for this account because the company cant published the information. Closing the account will not settle this issue. I want the account removed from my consumer report. XXXX validated my rights by opening a credit card without a application and authorization from me. Experian has failed to verify this account by publishing the credit application or date in which I applied for credit. I have attempted twice to remove this account with Experian and the company.
Product: Debt collection

18 USC 8 states the U.S is responsible for All Debts. Why then are these agencies fraudulently reporting debt against me without written consent? Every company I did business with has an XXXX # and everyone of these companies has me listed as an employee up under there companies why then am I not receiving remittance wires of my securities interest coupons to my TDA accounts? These companies with there Zero percent certificate of Indebtedness is why these securities fraud continues. Only the original creditor can make you pay but when the servicing rights are transferred no payment are dues in accordance with the law. This is a violation of the Securities Act, breach of fiduciary duties federal reserve act 29.
Product: Student loan

With the restart of loan payments and being a member of XXXX, I called MOHELA to ack about recalculating my monthly amount. The agent in the phone helped me to submit a request for recalculation and submitted a one month forbearance for me while the request was processed. She said to check back in XXXX as it was a one month forbearance only and I would need to request an additional month or two if my paperwork was not processed. 

I recently received a statement saying I didnt pay the > {$400.00} owed in XXXX per my regular statement and that I additionally owed for XXXX and have an outstanding balance of >> {$800.00}. 

I will call again Monday to attempt to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI has admitted to inaccurate information on my credit with XXXX  and has yet to fix it this is almost two years of going back and fourth with them.
Product: Checking or savings account

Regions sent me a mail piece offer to earn a {$400.00} bonus for opening, enrolling in online banking and funding a XXXX checking account with {$1000.00} in new deposits within 30 days of opening the account. On XX/XX/XXXX, as instructed by the mail piece, I registered by scanning the XXXX code that was provided in the instructions ; I opened a personal XXXX  checking account ; I enrolled in online banking ; and I transferred {$1500.00} to the new account from my XXXX  checking account the funds were posted to the account on XX/XX/XXXX ( and remain there today ). I received emails from Regions on XX/XX/XXXX confirming the account was open and funded and welcoming me to Regions online banking. Ive attached copies of the mail piece I received and copies of the emails to this complaint. I opened the personal XXXX checking account well before the XX/XX/XXXX deadline listed in the mail piece. 

I contacted Regions customer service by phone on XX/XX/XXXX to inquire about the {$400.00} bonus and when it would be credited to the account. I spoke with XXXX who indicated that Regions did not show that I had registered with the personal code and referred me to the local branch since there was nothing he could do. I went to the local branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX the following day and spoke with XXXX XXXX and explained my situation. He looked at my account and could see that I had completed steps 2 & 3 in the mail piece but step 1 was highlighted as incomplete. I told him I scanned the XXXX code and assumed the personal code was embedded since I wasnt prompted to enter it at any time. He indicated there was nothing he could do but submitted a ticket to the back office to investigate. I followed up with XXXX on XX/XX/XXXX and he had not heard back from his ticket. I received a call from XXXX a day or two later and he told me that unless I had some proof showing I had entered the personal code that Regions would not honor the offer. I asked him to escalate this issue which he agreed to do. I received a call from XXXX several days later and he again responded that Regions would not honor the offer. I requested he send me copies of the responses he received but as of XX/XX/XXXX I have not received that information. I left XXXX a message on XX/XX/XXXX to call me so I can request the information again. 

I complied with the offer requirements by 1 ) scanning the XXXX code, 2 ) opening a personal XXXX checking account by XX/XX/XXXX ; enrolling in online banking within 30 days of opening the account, and 3 ) funding the account with {$1000.00} in new deposits within 30 days of opening the account. Regions has placed the burden of proof on the consumer for knowing the personal code was entered and recognized by their system but has yet to acknowledge that they may have had a system or process failure. Since my account was flagged that the personal code had not been entered in XXXX system its obvious to me that Regions knew I had received the mail piece and could have generated an alert to me to that part of the process was not complete but I was never contacted by Regions.