23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made the first mortgage payment XXXX XXXX for my first payment due in XXXX. I made the payment online with no issues. I then tried to make my XXXX 2016 payment the first week of XXXX online but XXXX XXXX XXXX, XXXX site would not let me. I tried several more times with no success. I then noticed that it was showing a " XXXX '' balance on the principal. I called the automated line for mortgage help and it stated it was payed in full, which I knew was not correct. On XXXX XXXX I called and spoke directly with XXXX XXXX XXXX personel. They advised me that my mortgage had been sold and they did not know to who but gave me a phone number. I called the number and learned that it was bought by XXXX. The person I talked to could not provide a date it was transferred and also said they could not find my XXXX payment. Later that day I was able to locate my loan through their website. I have never received any written, voice, or electronic notification that this had taken place or instructions on how to make my future payments. Also, now I find out that I will be charged to make payments electronically/online/phone. Now I will only be able to send a check to make a payment which I find very inconvient this day and time. My previous payment now shows on XXXX XXXX. I still have no notification of the transfer of the mortgage which I understand is required by law 15 days prior to the transfer.
Product: Money transfer, virtual currency, or money service

We are the victims of a fraud that resulted in a loss of {$75000.00} that were transferred into a fraudulent account at Wells Fargo. 
In details, we were doing an investment with the XXXX investment group and received an email ( supposedly ) from them ( XXXX XXXX XXXX ) about the wire transfer details. 
We wired the money ( {$75000.00} ) on XX/XX/2022 and then asked our contact if they received the money, which they did not. We then realized the account details provided for the wire were a scam and that the company 's ( XXXX XXXX XXXX ) email was hacked and we were sent details of a fraud account. We reported this to our bank XXXX and contacted Wells Fargo on XX/XX/2022. 

Even after several attempts of recalls done by XXXX bank by having their fraud department contacting the fraud department at Wells Fargo, we didnt receive any clear information. The only response that was provided is : Unfortunately, there are no funds available so they regret they are unable to return the payment as requested. Recalls are best effort basis but we can not guarantee the funds will be returned. The beneficiary bank will follow their own process in an attempt to return the funds. 

We do not know if the fraudulent account holder withdrew the funds, when, or if Wells Fargo were able to flag this transaction and freeze the fraudulent account. We do not know if Wells Fargo are investigating this and what is the timeline for returning out funds. 
Below are the details of the fraudulent account at Wells Fargo : Bank name : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX. 
WIRE Routing # : XXXX ACH Routing # : XXXX Account number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Wells Fargo continues to withhold information and are not providing a clear timeline for their investigation and how and when they will communicate their findings. 
This case was reported to the FBI, New York XXXX XXXX XXXX XXXX, Department of financial services and the XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort to this issue. 

Despite providing all necessary documentation and following the proper procedures, Experian has failed to conduct a thorough investigation, provide a timely response, and remove the disputed items from my credit report. They did not conduct any investigation and no updates as has been made I sent certified mail on XX/XX/2023. Experian acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Experian accepting the items in question, as well as personal information and supporting documents. 

I urge Experian to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Experian. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Experian to fulfill its obligations and protect my rights as a consumer. 

Thank you CFPB
Product: Money transfer, virtual currency, or money service

I sent {$4000.00} wire transfer through my XXXX account to Coinbase on XX/XX/XXXX.  After week later, I still didnt see my wire into Coinbase account. When I sent them an email since it was impossible to get them on the phone, all I got was generic email reply saying I should have funds within 10 days. Today is XX/XX/XXXX and it has been almost two weeks and I still havent received funds in my coinbase account and they do not reply to my emails anymore. Case #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, portfolio, social security admin, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I call American Express today approximately around XXXX and Spoke to a person name XXXX XXXX I ask him its still on the online website that a payment is due for the XX/XX/XXXX and why hasnt it been suspended until they do a forensic investigation as they had told me a couple of times they would do. The payment that is due includes a large portion of the pay overtime or pay overtime direct interest and fees charges, that Im also disputing which American Express combined the pay overtime and pay overtime direct as one balance making it being charged double, because the pay overtime balances and regular charges was paid off in full on XX/XX/XXXX by my credit union but some how a pay overtime balance of almost {$6000.00} was applied back to my bill on XX/XX/XXXX and all of those fees and interest charges kept accruing on my monthly bill as interest. They are harassing me about making a payment on XXXX XXXX which is tomorrow this is why they are refusing to dispute and refusing for me to put in a dispute concerning these pay overtime direct balances fees and interest charges which of most of the payment is due consist mostly of those disputed fees and interest charges. Therefore they are harassing me to make a payment even texting me a notice that the minimum payment is due. I understand when ever there is a dispute against charges or the bill you not supposed to ask for a payment or report a late payment to the credit bureau, which both situations American Express did.I have no problems making payments as they can see in my History of being a loyal customer for over 24 years, and this is how I get treated so unfairly. I spoke with a person name XXXX on XXXX XXXX around XXXX he assured me that why they did the investigation I will not be responsible for the {$24000.00} or the amount due of {$2400.00} because it includes pay overtime direct balances of fees and interest. And for some reason he ask me to send documents showing that the entire balance was paid off in full which included pay overtime balances to customer care services XXXX  XXXX XXXX XXXX TX XXXX. And ask me put down this claim number XXXX when I mail in the documents and to make sure and be specific with that claim number, In which I have sent documents twice to them and why would customer care services want to to look at the documents again because, they know they made and error in double charges me or maybe it is fraud because I got letters from the fraud operation and before I could respond back to the letters they closed out the dispute before I could respond. I never got calls from them as stated in the letters. Attached are 2 letters from American Express Fraud Operation each time before I can respond they closed out the dispute, matter of fact when I got the letters in mail and called, the dispute was already closed.
Product: Debt collection

Basically the 3 bureau are not removing all the negative items on my report. Every negative items has been disputed numerous times. The bureaus is not following the fair credit reporting act. Stating if no communication the negative item must be removed off the customers credit report. I've spoken woth all 3 bureaus. I have credit repair since XXXX of 2021 and the bureaus has not communicated nothing with me about any validation or nothing. My right as of now is for all 3 bureaus to have them removed. Also if a collection was sold to another collection company that's by law isn't my debt it supposed to be removed as of ASAP. please advise and have these items removed due to lack of communication on the bureaus actions of not helping or removing all these identity fraud accounts. I've told them for years they are not mine. And due to lack of communication the 3 bureaus has to remove them now. Its been way over 8 months with no communication.. please advise and assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the bank XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting agency is not complying with the fair credit act.. i have submitted atleast 4 times a dispute for XXXX medical bill for XXXX  XXXX  XXXX. Ive have countless conversation and always promise it will be resolved and yet they never look into it, they want to get me off the phone. 

In addition, i sent in my photo id. ss card to them numerous time to remove inquires that was unauthorized on my report. again no one wants to take the time to assist. 

XXXX  and XXXX  received the exact same request! and removed it off of my report immediately.
Product: Credit reporting or other personal consumer reports

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence. 

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

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, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were two additional inquiries ( XXXX  dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, Transunion, and XXXX to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request.
Product: Debt collection

Best Buy credit card is under my Social Security number XXXX XXXX XXXX finally tried to cancel it to no avail when I realized that they failed to post an {$1100.00} payment to the account and piled ridiculous fees continually. They also lied to me about freezing my account for XXXX months during covid so I lost track of being responsible. In return I believe the ridiculous balance should simply be forgiven off my credit so I can buy things.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX BANK # XXXX XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX
Product: Student loan

to keep it short I have been sending payment pre seeing it via XXXX to my loans still they 've started garnishing wages - I need - stating I have n't been sending payment I had a plan of XXXX, which I was n't able to meet because I a single income household the payments I have been sending are more than the XXXX from the plan that was set up that I did n't meet. when I call to talk to someone about my loan their systems are down and I have to wait long period to get someone and then I am transferred constantly I do n't know what to do - I ca n't meet my obligations of rent, utilities and food even less now that 15 % of my wages are being garnished
Product: Checking or savings account

Please refer to case XXXX for more information. But the summary is that Bank of America closed my account, and I still don't know what I did wrong. I am unable to open an account, and no one will tell me why. 

Bank of America can not discriminate against someone that wants to use their services. They have claimed that they respectfully decline to tell me why they closed my account. That is not a sufficient answer in a world where companies have proven to discriminate against certain groups of people. 

I have attached my most recent online application which was again denied without providing any reason as to why. I called the number, and they also were unable to provide any reason. I have also attached the closure letters that were sent to me 6 years ago. This should help them find my case. 

Banks have used taxpayer money in the past and I'm sure they will do so in the future which means that they are accountable to us, not the other way around. These kinds of processes need to be transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on Experian nor XXXX. 

Every time i submit a dispute to Experian and XXXX  thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent Experian and XXXX  a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.
Product: Bank account or service

I am trustee for my mother 's insurance trust account. I have a Wells Fargo checking account XXXX that I use XXXX a year to pay the premium for the insurance policy set up in this trust.. I have never had a debit card for this account. I keep over {$1500.00} in the account so that fees will not be charged. Once a year I make XXXX large deposit and write XXXX large check. 
I had a balance of {$2000.00} in the account after the check was written in XX/XX/XXXX for that year 's premium. The bank does not mail statements to me nor do I access the account online. On XXXX XXXX, as I was preparing to make a deposit and write a check, I discovered that the balance had dwindled to almost nothing. I immediately contacted bank officials, met with a bank official at my local branch bank and filed Claim # XXXX requesting full restitution of the balance of {$2000.00} that was in the account.. Somehow someone had accessed the card number..XXXX assigned to this account and since XX/XX/XXXX was using the card number to make automatic payments to XXXX XXXX. All of these charges were coming out of my checking account. Of course I expected either Wells Fargo or XXXX XXXX or both to reimburse the money that was stolen from my account. Bottom line, Wells Fargo is responsible as far as I am concerned. Banks are responsible for having adequate security systems so that clients ' money is not stolen while it is in the bank. Banks should not expect clients to be responsible for poor security when the client has done nothing to cause a security breach. That is the bank 's responsibility. 
However, on XX/XX/XXXX, XXXX XXXX XXXX, Senior Vice President of Claims Assistance Center of Wells Fargo, wrote a letter to me refusing to pay the entire amount stolen from the account - he agreed to pay {$1000.00}, which he said was the amount charged in the 60 days prior to my complaint - for XXXX and XXXX. He claims that I should have been monitoring the account constantly and should have reported the discrepancy within 60 days. Because {$2000.00} was stolen, then {$2000.00} should be returned by Wells Fargo. They owe me the other {$1000.00} plus monthly service fees that they have charged due to a less than {$1500.00} balance. XXXX XXXX letter stated that they had removed any service fees, but that had not been done as of XX/XX/XXXX. Of course because of their refusal to replace the stolen money, the account balance is below {$1500.00} although it should be {$2000.00}. Surely they will not charge me service fees because they have refused to bring my account balance up to what it should be..
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found several inaccuracies and unverifiable items that need immediate attention. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and impact the accuracy and reliability of my credit profile. Specifically : XXXX XXXX XXXX My date of birth is inaccurately reported as XXXX, which needs to be corrected. 

Unverified Account The account from XXXX XXXX ( XXXX ) appears on my credit report, but I have not received sufficient validation proving its accuracy or legitimacy. 

Unsubstantiated XXXX XXXX collections entry from XXXX ( XXXX ) is listed, and its validity has not been verified with proper documentation. 

Unverified Inquiry A hard inquiry from XXXX ( XXXX ) appears on my credit file, and I am questioning its permissible purpose as required under 15 U.S.C. 1681b of the FCRA.

These inaccuracies undermine the trustworthiness of my credit report and can negatively impact my financial opportunities. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverified information. If the credit reporting agency ( CRA ) or data furnishers can not provide evidence to substantiate these items, they are required to remove or correct them promptly. 

I have formally requested an investigation into these matters and expect : XXXX or removal of the challenged entries. 
Documentation to support any information that remains on my credit report. 
An updated and corrected credit report upon the completion of the investigation. 
This situation demands immediate attention, and I trust it will be resolved within the XXXX time frame mandated by the FCRA. If not addressed properly, I am prepared to pursue further action to protect my rights.
Product: Bank account or service

I had a loss on my home and the insurance company paid for the loss. First mortgage Chase wants to keep the money in their escrow account and pay the contractors when I provide Chase with the licenced, insurance and estimate provided by such contractors. I find this unacceptable as Chase is not a insurance company or claim processor. Chase needs to release the funds and be fined appropriately.