23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open and consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX}, XXXX this account is closed and is reporting inaccurate account number and inaccurate credit card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Product: Money transfer, virtual currency, or money service

Although I can see my funds in Coinbase Pro, I can not remove them or transfer them. I have tried repeatedly to contact CoinbasePro, to no avail. At this point I want to cancel my CoinbasePro account and transfer ALL funds to Coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX Owed : {$23000.00}
Product: Bank account or service

the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in 2020. I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted XXXX, XXXX, AND TRANUNSION twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.
Product: Credit reporting or other personal consumer reports

I need help from the CFPB to assist me in obtaining my rights as a XXXX XXXX XXXX. I am a homeless XXXX XXXX XXXX, I reached out to Experian on XXXX separate occasions starting XX/XX/2024 uploading my trafficking victim documentation which consist of : ( i ) Victim determination ( A ) ( 2 ) Non-governmental organization, authorized by a federal, state, or tribal governmental entity to make such a determination ; also ( C ) is of a signed statement by the consumer attesting that the consumer is a victim of trafficking if such statement or an accompany document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section. ( ii ) Identified adverse items of information. ( A ) ( B ) Proof of identification which was ID, social security card, bank statement and all documentation of determination. I reached out to Experian on two different occasions asking that the items in my credit report that were the result of XXXX XXXX be blocked from credit report. I was told that XXXX who was my agent assigned to my case was not willing to accept the documentation because Experian was only willing to take documents from the Department of Job and Family Services. I was told I needed to go to them to have my determination done until then it wouldn't be approved. I'm asking the CFPB to look into Experian Willful noncompliance of the Final Rule 1022.142 ( b ) ( 6 ), 1002.142 ( b ) ( 2 ). I don't want this case closed until the items that are in my credit report that were the results of trafficking are removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert on my credit reports XXXX, XXXX, and XXXX regarding multiple collection accounts appearing on my credit reports. I logged on to check the details, and noticed XXXX WAKEFIELD & ASSOCIATES collection accounts appearing on my credit reports. I contacted Wakefield and Associates on XX/XX/XXXX to get additional information and demand a Deletion of these delinquent collections from my credit reports.. I was told there were XXXX unpaid healthcare collections from XXXX and they would be placed under Dispute. This situation is a big mistake not caused by me.. There should not be any XXXX XXXX appearing on my credit reports. I provided my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Wakefield and Associates. I've been covered through XXXX and XXXX XXXX and have been under the same health insurance and hospital care since XXXX. On XX/XX/XXXX I contacted the hospital I received my care from in XXXX and explained the collection situation. I was told I don't have any outstanding debts and I should not be in collections. My credit reports have been ruined due to a situation horrible situation. XXXX Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Product: Checking or savings account

I was depositing money from PNC drive thru Atm. I was depositing {$1000.00} dollars. When atm machine got stuck and took my money and gave my debit card back and one of recipt came out. Which says we couldnt return your cash please contact bank. I contact bank and they file a dispute and told me its going to take 10 to 45 business days. I have to pay my bills and rent. And pnc never gave me and temperory credit. Im stuck with their malfuncation atm machine.
Product: Checking or savings account

My online banking access at Wells Fargo Bank was suspended for so called suspicious attempts to gain access with my username and password. 

I called the online fraud unit as instructed by email but had to wait online for 44 before somebody answered. 

Then I was told I had to go to a branch and show my ID and call them again with the branch banker on the line. I have been a client of Wells Fargo bank for over 20 years and never before have I been told to go to a branch to show my ID. Before they would establish my identity by asking questions which I would correctly answer on the phone. 


Their fraud unit is covering their potential liability by making it harder for people to regain access to their account.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I have identified certain information that is reported incorrectly. Please make sure that the only information being reported on my credit is the information listed below. 
*My name is : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts listed on my credit report this morning. I have no clue how they got there, and it left me feeling blindsided. Im asking for a careful review of the documents Ive provided to ensure this problem is fully resolved and I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from them after they received it from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.
Product: Credit reporting or other personal consumer reports

Hello, To whom it may concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  number : XXXX This account has been paid in full as of XX/XX/2024, please update the correct {$0.00} balance on my credit report. 
I will upload documents that prove that it is PAID IN FULL. 
Thank you. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I realized I was several months behind on my XXXX upgrade program loan through Citizens Bank. My mistake was, I had a debit card stored for auto pay but that debit card had been compromised months earlier and when I had to cancel it, I forgot to update Citizens with my new card number. When I realized I was behind I contacted them ( they had emailed me, but my email on file was no longer in use ; and mailed something to my address but I had moved ; they had never called me ). At that time, they required that I pay the loan in full, and I obliged immediately. After all the mistake was mine. However, months have gone by and Citizens is STILL reporting to XXXX, month after month, that I have not paid. The balance keeps increasing each month. I have contacted Citizens and requested that they update this as paid in full, and although theyve promised that they would, they have not.
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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX has violated my rights Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX/ Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights Account Name : XXXX Account XXXX XXXX has violated my rights Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXXXXXX Account # XXXX has violated my rights Account Name : XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX  Account # XXXX has violated my rights Account Name : XXXX XXXX  Account # 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.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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: Credit card

I had a bill due for XXXX of 2024 in the amount of {$110.00} for a mastercard. I get paid at the end of the month so I made the payment on XX/XX/year> in the amount of {$110.00} and mailed in the check. In XX/XX/year>, the credit card company sent me a bill stating that they had not received my payment. I didn't think much of it because it was the beginning of XXXX so I just figured that the payments crossed in the mail so I didn't do anything about it. In XX/XX/year>, I got another bill, this time with penalties and late charges stating that I didn't make the payment. I called the credit card company and they said they never received the payment. I called my bank and they sent to me the cancelled check front and back and that the check went through on XX/XX/year>. I then sent that proof to the credit card company. They claimed they needed proof that I made the payment again. I sent the proof of payment 3 additional times and they are still stating that they need proof that the payment was made. The credit card company demanding to be paid twice is akin to theft.
Product: Mortgage

I closed on my house in XX/XX/2020. At that point I paid {$480.00} to escrow for taxes and insurance. I then paid {$160.00} for each month for the escrow ( no payment in XXXX, because that was paid at closing, so XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 ). 

The mortgage company, currently WSFS, who bought out XXXX XXXX XXXX, somehow handled by XXXX, is saying my escrow was not paid prior to XX/XX/2020 and they credited the wrong amount for 2020. 

They are also stating they have no record of my account prior to XX/XX/2020. They are required to keep records for 7 years, but no one I have spoken to has been able to tell me how to follow up on finding these records. 

Because the mistake was made so far back I have paid $ XXXX extra from XXXX XXXX to catch the escrow up. Despite paying this {$200.00} they are upping my payment again, saying that my escrow is still behind. All of this would be resolved if they had properly credited my account and I believe I actually have an overpayment of approximately {$1200.00} and thus don't owe a higher payment. 

I have called repeatedly and they have refused to research the issue. I have spoken to 4 or 5 regular representatives, as well as one member of the escalation team. I have requested to be called back by a supervisor, but she called while I was in a work meeting and there is no way to call her back. When I called and asked to speak to her they refused to put the message in. 

I also spoke with XXXX XXXX who was the bank representative who helped me with my closing. I have emails from him stating he agrees that the escrow is messed up, and he has spoken with many of his colleagues but reports he is also being told that no one knows who should handle this issue, WSFS, XXXX XXXX XXXX, or XXXX. 

I uploaded copies of the cancelled checks to the WSFS portal and called today to confirm they are researching and they stated they would not be doing so until the ticket comes up in the list of tickets, on XX/XX/XXXX, and that each month will be researched separately.
Product: Mortgage

Hello, I applied for a refinance loan with Rocket Mortgage ( Quicken Loans ). I was offered a rate, paying 1 point in the original disclosure which I reviewed and signed. This disclosure included a Rate Lock agreement. During the period of processing to closure, I received a Re-disclosure ( within the time frame of the original locked rate ) providing for the same rate, but paying 3 points. At no time did anyone call me to notify me of any changes, at no time did I receive any negative credit report updates or additional credit checks. I contacted the broker, who told me he had no say on the matter and advised someone would call me. After several days and multiple attempts to reach someone, the director of underwriting ( supposedly ) called me and told me that the points changed when my home did not appraise for the amount they had wanted it to appraise ( although the home still appraised at more than 80 % loan to value ). I advised him that I had a rate lock with one point, that points are paid to reduce the interest rate, which was not occurring here, and that i believed that someone was trying to pull a fast one. I advised he needed to fix this. He told me that points were assessed based on the risk - not to pay down the rate and that there was no mistake and that he would not be changing it. I told him that I had a truth in lending statements indicating one point and i expected him to honor that. He then told me they would not be issuing me anything and would be closing out my loan. He then hung up on me. 
i allowed this company to run my credit, spent hours providing them with personal financial information - including consent for tax records, and had a signed disclosure with an active rate lock. 
This company 's deceptive practices is unacceptable. They clearly pulled a bait and switch thinking I would simply agree to the new redisclosure without reading. Thank God I read it before I accepted. 
I may not have suffered any real harm at this time, however, it is important for your agency and the consumers to know that Rocket Mortgage / Quicken Loans is employing deceptive lending practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX  provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than XXXX  days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have XXXX  days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC BUSINESS SERVICES open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - {$3200.00} XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX {$1400.00} These accounts do not belong to me.