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

I filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on XXXX  although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX  XXXX XXXX  is still reporting on XXXX and Experian inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both XXXX and Experian to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with XXXX and Experian for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/XXXX a method of verification from both Bureaus for  each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from Experian and XX/XX/XXXX it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from XXXX and Experian due to it being inaccurate.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/year>, my wife and I were on the last steps to purchase a home. Basically we were waiting on the wire instructions from the home loan company. We spoke to our realtor that we hadnt gotten anything yet and they mentioned that we would get an email from XXXX XXXX within a day or XXXX. A day later we got the email with the instructions and an account and routing number to send the money to. The account was linked to Truist Bank. We sent a wire {$22000.00} on Friday, XX/XX/XXXX XXXX and on Monday XX/XX/XXXX we got a call from our realtor asking us if we had sent the funds because the title company was still waiting on it to finalize the loan and we said that we sent them on Friday. So the title company double checked and came to the conclusion that we sent the funds to a scam account. We acted right away by calling Truist, the bank that the funds went to, our bank, XXXX XXXX, the FBI, and also filed a claim on XXXX. I explained what had happened to a Truist associate, after some time speaking to each other, they said that they would send the money back but before they do that, they advised me that i needed to have my bank initiate a wire recall so they can send the funds back. So I called my bank and told them exactly that and they told me that they were going to start an investigation and submit the recall. A few more days passed by and we got a notice on the mail from XXXX XXXX saying that our claim got denied and that they cant get the funds back because Truist refused to give them back. So i called Truist again and mentioned that to them and they said to me that they cant give me any information. Till this day, weve called XXXX XXXX to ask how the investigation is going and they keep saying that Truist is unwilling to cooperate.
Product: Checking or savings account

I sold my car because I needed the money immediately. I had my wife deposit the check from XXXX XXXX into her account at Capital One because she could send me a check from her Capital One Account that I could then deposit to my Capital One account and have needed funds the next day. ( See https : //www.capitalone.com/support-center/bank/deposit-availability ) I called customer service and they are not going to give me the funds for another 5 days. Now I am screwed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used PayPal for a friend to send me funds and PayPal charge me {$32.00} fee and then a {$18.00} fee to transfer to my card this is excessive I am new to PayPal and didn't know they charge these fees as it never stated that when signing up therefore they are highway robbery company they charge excessive fees not even my bank charges that much I only did this for a friend who said they can only send me money via PayPal otherwise I would have just had a check sent! PayPal needs investigated for excessive fees being charged it's not fair practice.
Product: Checking or savings account

I opened a checking and savings account with Wells Fargo. Several months later, due to COVID-19, I made several transfers from my savings to my checking account to pay bills. According to Wells Fargo, I exceeded the 6 allowed transactions. Rather than bring this to my attention, Wells Fargo changed my savings account to a checking account without my authorization. My original checking account met all requirements to avoid the monthly fees, however because I did not receive notification of the account change, I was assessed {$70.00} in fees for the checking account that Wells Fargo opened without my consent. I have made several good-faith attempts to allow Wells Fargo to return my money, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Late Date XXXXXXXX XXXX XXXX XXXXXXXX Late Dates XXXX
Product: Credit reporting

I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner
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. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

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

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however Chase will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention serious concerns regarding the egregious and intentional violations of the Fair Credit Reporting Act ( FCRA ) by XXXX. It has come to my attention that this entity is deliberately manipulating algorithms to unfairly skew my credit report in their favor, all in connection with a fictitious debt. 

Despite my diligent efforts over several years to address and rectify the situation directly with them, XXXX has not only refused to cooperate but has also engaged in calculated practices to detrimentally impact my creditworthiness. Their intentional misuse of algorithms has distorted the true nature of my credit profile, constituting a blatant breach of the FCRA. 

The following actions are requested for immediate attention and resolution : Verification and Validation : I demand documented proof of the legitimacy of the alleged debt, along with conclusive evidence establishing my liability for the purported amount. 

FCRA Compliance : I insist on a thorough investigation into XXXX 's compliance with the FCRA, seeking evidence that they have followed all relevant legal requirements in reporting information to credit bureaus. 

Algorithmic Manipulation : Provide documentation substantiating the fairness, accuracy, and non-bias of any algorithms employed by XXXX in assessing my creditworthiness. 

I believe that XXXX 's actions not only undermine the integrity of the credit reporting system but also violate the very essence of the FCRA, which mandates accuracy, fairness, and consumer privacy. I request the Consumer Financial Protection Bureau 's intervention to rectify these violations promptly. 

Enclosed herewith are copies of relevant documents supporting my claim. Your urgent attention to this matter is crucial in ensuring the protection of consumer rights and upholding the principles of fair credit reporting. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a swift resolution.
Product: Student loan

First off I have never ever received any type of letters for my wage garnishment of 25 %. Also they took my entire tax return on XX/XX/XXXX and no one has any idea why I did not receive a letter 60 days before. The amount of my loans have not changed since XXXX. They have been garnishing my wages for the past year and then took my tax return. I am a single mother with XXXX kids. Tax time is the only time of the year that I am worry free for about a month. I work hard everyday. I did not think they were allowed to garnish my wages plus offset my entire tax return. This is just awful plus the balance is not dropping.
Product: Credit reporting or other personal consumer reports

I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT MY CREDIT REPORT.
Product: Mortgage

I sold the property of which Ditech Financial, LLC serviced the mortgage on in XXXX XXXX 2017. The mortgage had an escrow balance due me, according to the online statement in the amount of {$1900.00}. 

Ditech said it would take 30 days to process the payment and they would mail out. 
I received no payment in XX/XX/XXXX or XX/XX/XXXX. I called back to Ditech, they said they mailed out and would put a stop payment on that draft and send out another payment and would take 10-15 business days to process. 

In XX/XX/XXXX, I still had not received the re-issued draft. Ditech confirmed my mailing address. I called Ditech again, this time they offered to wire funds and that would take 10-15 business days to process. 

As of XX/XX/2017 I have received no funds from Ditech. I called again today and they offered to reissue the draft or wire transfer which would take 10-15 business days. 

Why should I have to remind Ditech month after month to for them to send the money that belongs to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account # XXXX has Violated my right 's 15 USC 1681 Section 602 States I Have the right to Privacy 15 USC1681 Section 604 A Section 2 : It also States a Consumer Reporting Agency can not furnish a A account without my Written Instruction 's 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under a open end Consumer Credit Plan as Late for any Purpose
Product: Debt collection

To whom it XXXX concern : i am writing to you because you are reporting inquiries on my report that i do not recall. Please see items listed below. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please forward me any documentation providing proof i applied for credit with this creditor. if you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Mortgage

I was a victim of identity theft. I am the rightful owner of a property that I have previously submitted information to this office against Bank of New York Mellon, XXXX XXXX XXXX, and XXXX XXXX. This was a predatory lending loan and I was awarded XXXX settlements now that I have yet to claim. I am looking for assistance because I was waiting for word on the settlement and now I see a for sale sign on my property by XXXX. I was told that the state denied the foreclosure but the county persisted on padlocking my property. This could be a violation of law against a XXXX person as I was declared XXXX. I am looking to claim any and all settlements in regard to this property as I paid over XXXX toward it and remained on the property until it became unlivable. Now that there has been an award I have been further victimized by identity theft and persons attempting to stake claim on my property.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit union regarding multiple overdraft fees, I have incured. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I have had and still have checking accounts with Navy Federal Credit Union.
Product: Money transfer, virtual currency, or money service

I have an issue with CASH APP I had a phone that was washed and I no longer have access to that phone number at the time at least {$25.00} was on my account in which I had not yet accepted, about a month later someone advised they sent me {$100.00} and I attempted to merge the accounts on XX/XX/XXXX I received an email from CASH app with instructions on how they would be able to merge my accounts when I provided detailed information, I did all of what was requested and have attempted at least 6 times to contact them again and no response ; I do not have access to my old information. 

The original Cash Tag was XXXX XXXXXXXX under phone number XXXX email XXXX card ending XXXX XXXX XX/XX/XXXX XXXX the new CAsh Tag XXXX XXXX & XXXX   XXXX because I have tried again under phone number XXXX all other information is the same. I sent several emails advising this and the senders aren't able to retrack their money.
Product: Credit card

Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX   Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened.

This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED
Product: Mortgage

XX/XX/XXXX ; First interaction with Wells Fargo ( WF ) to obtain a home mortgage. Chose WF based off lowest interest rates. 

XX/XX/XXXX ; Purchase Contract for home buying signed, attorney review begins. 

XX/XX/XXXX ; Pre-approved by WF for a home mortgage. 

XX/XX/XXXX ; Attorney Review complete. Under contract for home buying. Closing date is stated to be XX/XX/XXXX. 

XX/XX/XXXX ; No approval letter from WF yet. Seller has a tenant living in the home, no certainty of what is going to happen. 

Today, XX/XX/XXXX ; Still no approval letter. 

My family are on a military PCS transfer from XXXX  to XXXX. The regular stress during a move across country coupled with the uncertainty dealing with the current pandemic elevates everything. My wife and I responded hourly to every request, email and phone call during this home buying experience. Still, no approval and no home. We have provided over 55 documents to WF as requested from them. Along with countless phone calls and emails. Still, no approval and no home. It has been 49 days from pre-approval, with our email and phone responses being immediate. Still no approval and no home. We were surprised by the seller having a tenant but they will not be vacating for another 30 days and that the purchase contract date of XX/XX/XXXX was just an " estimate ''. Still not approved and no home for another 30 days. 

At multiple points in this relationship with WF, we would of switched to another mortgage company. This was not possible in late XXXX due to the mortgage process taking 30-45 days, as per another Lenders estimate. We thought the purchase contract closing date of XX/XX/XXXX was The Day, so there was not enough time to switch lenders. We can not back out of the purchase contract without a denial letter. We are not being approved, even after every request being met. We demanded from WF to either be approved or denied, which was met with, " one more document is requested. '' For the past 26 days, we have been living in hotel rooms, and with family or friends. Zero certainty if we will be approved to buy our new home, be denied after all this time and then have to rent, or be sued by the seller for wasting their time. But as on today, we are not approved, also not denied and still no home. 

I have reported to duty in my new XXXX XXXX XXXX unit, sleeping on my friends couch while me wife is staying with my grandparents 3 hours away. 

*Any documents requested for proof, evidence or assistance can be provided. 55+ mortgage approval requested documents. 100+ emails. A few dozen phone calls. 4 WF employees involved. WF executive customer service complaint department notified and case opened. 

Please help us.