23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 confidentiality under 15 USC 1681. 


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 has violated my rights. Or list of inquiries 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 that the information is inaccurate.
Product: Mortgage

XX/XX/year> - recieved payoff from Vanderbuilt mortgage for refinancing loan. 
XX/XX/year> - closed on new mortgage XX/XX/year> - vanderbuilt recieved payoff and same day transferred my mortgage to a collection agency XXXX XXXX. 
XX/XX/year> - vanderbuilt applied a XXXX and XXXX house payment then applied remaining funds to the principle, stating that payoff was nit met and still incurring interest. 

Since this time i have been fighting to make the books straight. Being told that the differen e was taxes owed, lie because taxes were paid in XXXX to being told pay off was short. In XXXX resolved that if i paid {$500.00}, it would be closed. So i did that. Now they are claiming that over a {$1000.00} was due so they took the remaining escrow funds of {$840.00} as payment. 
How are financial institutions allowed to commit such fraud and VA allow this to be done.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following accounts Block and remove them.
Product: Checking or savings account

Went in a Bank of America branch to cash a check as I have done for years. They refused to cash my check although I have been an account holder for years. I asked do they refuse ALL their customers the same service and they stated yes. I believe they have discriminated against me by refusing to cash my check.
Product: Bank account or service

Bought hair from " XXXX '' on XXXX, THROUGH PAYPAL. Claimed the hair did not shed, did not tangle, the hair shedded as soon as I touched it. I went to go wash it and the water was so dirty brown. Mind you I did not wear the hair at all I was trying to fix it. I contacted the seller and she said I have to return it back the way I got it to get a refund. That does not make sense cause how would I know the hair was bad if I didnt atleast try and wear it once. EVERYTHING they claim on their site is fake about the hair and even the reviews. I want my money back. OPENED a dispute on paypal and theyre saying i have to send it back how i got it to get full refund..
Product: Credit reporting or other personal consumer reports

In my report from the Equifax credit bureau, some inquiries appear that were not authorized or requested by me, the banking institution XXXX Bank, submitted some inquiries that I never authorized or requested. The dates of these are as follows : XX/XX/2023, XXXX XXXX, XX/XX/2023, I request to remove it immediately from my credit report, EQUIFAX XXXX
Product: Checking or savings account

I am writing to report a fraudulent transaction that occurred on my Wells Fargo account and to request a refund for the money that was stolen. 

On [ Date of XX/XX/XXXX ], I noticed multiple unauthorized charges of [ {$8500.00} ] on my [ checking ] account ending in [ XXXX ]. I immediately contacted Wells Fargo on [ Date of XXXX ], and I was informed that the transaction was indeed fraudulent. I reported the fraud to the bank and requested a refund of the stolen funds. 

Despite my efforts to resolve this issue with Wells Fargo, they have not refunded the money or provided any clear explanation as to why the refund has not been processed. I have complied with all necessary steps for reporting the fraud, including providing any requested documentation such as account statements and details of the unauthorized transaction. 

I have been in contact with Wells Fargo customer service multiple times, and the case reference number for this is [ XXXX ]. However, I have not received a satisfactory resolution. I believe I am entitled to a refund under the protections provided by Regulation XXXX, as I reported the fraudulent activity within the required timeframe.
Product: Credit card or prepaid card

On XX/XX/2021, I noticed an XXXX charge that posted to my credit card account on XX/XX/2021, totaling {$340.00}. Since we did not recognize the charge, my wife and I reviewed our shared XXXX account and did not see an order that matched that amount ( see attached file " XXXX Order History '' ). 

I immediately contacted XXXX on the phone ( see attached file " XXXX Customer Service '' for evidence of the call ). The XXXX customer service representative found the transaction and stated that someone else ( possibly named XXXX ) logged into their XXXX account, made the purchase using my credit card, and then shipped the item to their address. I informed the XXXX customer service representative that this was not a transaction that I authorized, and she stated they were suspending the offending account where the purchase was made. 

I received an email ( see attached file " XXXX Account Specialist '' ) from XXXX later that day stating " Thank you for confirming that the charges to your MASTER CARD ending in xx were unauthorized. We recommend that you review all recent activity on this card and report any unauthorized charges to your financial institution. '' I followed XXXX 's advice to contact my financial institution ( Barclay ) to inform them of the fraudulent transaction. They immediately cancelled the credit card, sent a new one, and reversed the charge. 

On XX/XX/2021, I noticed that the charge was back on my account. I contacted Barclay, and they stated that the fraud department determined this was a valid charge simply because I have " previously done business with the merchant ''. 

This is not an acceptable response as they could not provide documentation that they made any attempt to communicate with XXXX to get more information about the order. I expect my credit card issuer to provide the appropriate protections and conduct a thorough investigation before closing the case as it would be extremely clear that this was a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

I didnt not sign a contract or did any business with XXXX
Product: Credit reporting or other personal consumer reports

I have no connection with the mentioned creditors, and the inquiries listed are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report Number XXXX with XXXX. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : I.C. Systems ( XXXX {$1800.00} ) Filed another dispute with XXXX  demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.
Product: Student loan

I am filing this complaint because Wells Fargo the amount and interest accrued for my student loan consolidation is incorrect. They are doing this on purpose. I applied for a student loan consolidation through Wells Fargo to consolidate the current loan, I have with XXXX. When I put in the application Wells Fargo had the amount of {$5100.00} on the approved disclosure know that my principal amount plus interest was more than {$200.00} lower with XXXX. There was no loan origination fee connected with the loan. I was told that Wells Fargo usually overpays the student loan to make sure the student loan is paid in full. If the amount happens to be lower after the payment clear they will adjust the loan accordingly. But they are doing the opposite after the loan get approved and the funds got disbursed. 

I put in an application on XX/XX/2018. The loan request agreement was signed and upload to the Wells Fargo website on XX/XX/2018 but the fund wasnt disbursed until XX/XX/2018. It looks like Wells Fargo waited over 10 days to disburse the loan so the interest rate could go up to the amount of {$5100.00}. As of XX/XX/2018 XXXX, still havent received the check sent by Wells Fargo. But I was already receiving statements in the mail for payment due in XX/XX/XXXX. When I log into my Wells Fargos account to check on the student loan, I noticed interest rate has already accrued starting on XX/XX/2018 before the funds was disbursed to XXXX. 

To summary everything, I found something really wrong with this loan with Wells Fargo. First, they have the incorrect amount for the student loan consolidation I applied for in the amount of {$5100.00}, but my principal loan amount plus interest with Navient is more than {$200.00} lower. Second, they are charging me interest on the loan and I am receiving statements in the mail for payment due in XX/XX/XXXX before the check is clear with XXXX. How do they know the amount would be {$5100.00} when the check clear with XXXX?? Since I am still paying down the loan with Navient every month. I make over the minimum payment. So, the principal amount plus interest would be lower. It is illegal to take the extra amount beyond what I owe XXXX so Well Fargo would have to adjust the amount and correct the interest. But they are refusing to do that!! 

I called up the Wells Fargo on XXXX about the student loan and told them the situation but Well Fargo refuse to do anything about this issue. I was connected to the executive office regarding this issue and was assigned an analyst to work on this issue. The analysts name is XXXX XXXX her number is XXXX ext XXXX the case number : XXXX. She is available between XXXX XXXX XXXX Eastern Standard Time. I should be receiving a response from her by XX/XX/2018 before the XXXX holiday. As a result of this, I have no choice but to file a complaint with the Consumer of Financial Protection Bureau. As of XX/XX/2018 my loan with XXXX is still active so now I am stuck with two loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score was XXXX 8 points from XXXX which is my bucket list dream before i buy my house and car this year. my credit has been the same for the last 12 months three credit cards all paid on time. on XX/XX/21 experian dropped my score 45 points for no reason. i had the same 3 credit cards i had last month and all three have a XXXX balance this month and i did use my cards but i just paid them off by the end of the month. there was and is no reason to drop my score 45 points for no reason. 
experian refuses to show my credit approval or credit on my XXXX XXXX plat card which is XXXX and ive told them this 20 times over the year. 
last XXXX experian took 5 points for no reason again.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject Cease and Desist letter XX/XX/year> To LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to formally request that you cease all communication with me regarding the debt associated with account number [ LVNV FUNDING LLC Last reported XX/XX/year> {$6000.00} Open balance Last reported XX/XX/year> {$2400.00} Open balance ]. Last reported XX/XX/year> {$1600.00} er the Last reported XX/XX/year> {$1500.00} Open balance Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt, and I am exercising that right with this letter. 
Please consider this letter as my formal request to cease all communications with me, including but not limited to, phone calls, emails, letters, and any other form of contact. Failure to comply with this request may result in legal action as allowed under the FDCPA. 
Please note that this letter does not acknowledge that I owe this debt or waive any defenses I may have regarding it. Furthermore, this letter does not permit you to report inaccurate information about this debt to any credit reporting agency.

Thank you for your cooperation in this matter. 

XXXX XXXX
Product: Mortgage

We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error. 

Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXXXXXX and WELLS FARGO BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to Equifax about XXXX XXXX XXXX ( Date Opened : XXXX XXXX, 2021, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX ; Experian ; XXXX ; BANK XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. 

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within XXXX business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal follow-up to my initial dispute regarding the XXXX Mortgage account ( XXXX XXXX XXXX XXXX While you verified this account as accurate, a closer review reveals several discrepancies in the way it is reported. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) and must be corrected or the account must be deleted.
Product: Debt collection

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$310.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Product: Money transfer, virtual currency, or money service

Coinbase, I started filing complaints on XX/XX/XXXX. I can not withdraw money. Transfer money to a wallet or even add more money. All my accounts are frozen in there. I filed over XXXX cases. All you ever do is say it's gon na be escalated. This has been going on since XX/XX/XXXX. Still no action.
Product: Credit card

I have requested information under the FCRA 609 and the company fuses to provide information.
Product: Credit card

I found out that there 's a debt on my credit report that do n't belong to me. Last year ago we spent day and hours to get it corrected. We received a letter from HSBC and they removed me from every account. This year again, they put it on my credit report. Please see attached document.
Product: Checking or savings account

I am a co-signed on my daughters checking account. She was a victim of check fraud on or about XX/XX/XXXX. We have the police report and other info. We contacted Hancock Whitney bank and they started a investigation. My husband and i have a checking account there. And I am also on my XXXX year old mother account there. The fraud checks/scam were two checks totaling XXXX. The scammer requested money be sent back due to overpayment and my daughter did that. We understand that we need to make it right with the bank but they want there money in 10 days or they say they are gon na take my money out of my and my husbands account and if it isnt available there, they will take my mothers. We have offered numerous solution that would Benefitnthe bank and is without taking my mother only money she has. She is elderly and has medication and other necessities to buy. My husband receives social security and we cant make it without his money. I am a XXXX in XXXX. We have asked the local branch to let us discuss it with fraud division or corporate to come up with a solution and they refused. They said it has to be handled locally. We offered all document, emails, text from the number and email that was used for the scam. They refused to look at it. We offered police report and they said they didnt need it. We tried to remove myself off my mothers account to avoid her losing everything and they refused. They have treated us like crimson and second hand citizens since the day it happened. We have requested a unbiased arbitrater and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Product: Debt collection

This debt is fraudulent. I have reported this to them. I have sent several request for copies of documentation and have been willfully ignored as they continue to report the fraudulent debt. I have asked for copies of documents and they either do not have them or will not supply them. These specific documents were requested by written certified letters. the requested documents have never been sent. 
This account is a result of identity theft and they have been told this several times. Continually reporting this debt is a violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I did not authorize this debt, nor did i enter into a contract with LNLV Funding or its client. An FTC Fraud report was filed and a copy has been sent to LNLV Funding. 
LNLV Funding violated the FCRA, and federal law by : - Not providing requested documents by written request -Continuing to report fraudulent debt after being notified. 
-Not providing competent evidence which proves this debt is mine. 

I have requested the original contract, signature verification or anything with my signature on it or an agreement entering into a contract and it has not been provided. If the debt is valid this information should be readily available. They can not produce it because the account is fraudulent and the documents do not exist. In addition they failed to do a complete investigation. I requested detailed information of the investigation and the procedures used in the investigation including names, dates, documents and who conducted the investigation and the steps used in the investigation and was denied all 3 times. The CFPBs oversight has been poor and this company has violated the law and cost me additional money time and stress. The company has my persona information which i never authorized for them to have and in addition, shared this information without my permission or written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of I dentity theft I have sent an FTC report and have spoken with the creditor let them know the account is not mine and it needs to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/20XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2022 XXXX
Product: Checking or savings account

XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything. 
I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am natural persone, i am a living human being, i have rights under 15usc 1681.

equifax is govern by 15 usc 1681. and they violated my rights numerouse of time.

i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave equifax written permission to furnish these accounts. 


XXXX .... XXXX name ... .. XXXX XXXX XXXX XXXX ... ... XXXX name ... ..XXXX XXXX XXXX  XXXX XXXX ... XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report is inaccurate and was already removed but still showing.