23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo excess charged my account for attorney fees. These are a couple. They need to go through all the EXCESS charges to my account and take them off. I have submitted some from other years and these are a couple of the more recent ones. Also the $ XXXX/mo in MIP charges too.
Product: Checking or savings account

Navy Federal Credit Union numerous times have charged me overdraft fees over the years of me having these accounts knowing my account was low or empty. They let the transactions go through anyway. Or a debit that i paid with my pin number that's supposed to come out instantly wouldn't clear until after my account was too low to cover. Im so glad I found this platform to complain otherwise I would have no voice in this situation. I love the institution and ive been with them for years but this isnt fair. Any proof needed will be provided.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting

Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX to Citimortgage. During the transfer, my XX/XX/XXXX payment was added to my escrow account and Citimortgage had no record of my payment. When I made XX/XX/XXXX 's payment, I was informed of this and I confirmed that I indeed made my payment to Nation Star. Two phone calls later, the misapplication of the monies was found, and I was assured that it would be applied to the payment without an impact to my credit score within 72 hours. Seven phone calls later spanning 32 days, I received a letter indicating that my account was delinquent and they have reported me to a credit bureau. While Citimortgage now confirms that the payment is applied correctly and my account is up to date, my husband ( a XXXX vet ) and I are being punished for their error with incorrect information being reported to the credit bureaus. The fact that their lack of action or sense of urgency on their part has impacted our credit and they continue to negatively impact me due to their error is inexcusable. This has caused undue stress on both me and my husband. I want Citimortgage to provide me confirmation that my credit report will be updated in writing and provide the CFPB proof of what their process is in these matters so that someone else does not have this impact.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXXInquiry XXXXInquiry I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible.
Product: Credit card or prepaid card

I ALREADY FILED A COMPLAINT AGAINST HOME DEPOT ON XX/XX/2021 BUT SOME XXXX WHO FAILED TO PROVIDE THEIR NAME AND DIRECT PHONE NUMBER SENT A LETTER TELLING ME TO FAX BACK MORE INFORMATION WITHIN 10 DAYS. THE LETTER DID NOT SAY WITHIN 10 DAYS OF WHAT DATE AND MORE IMPORTANTLY I DO NOT HAVE A FAX MACHINE BECAUSE I DO NOT HAVE A LANDLINE IN MY HOUSE ( AS MOST PEOPLE DON'T ANYMORE )!!!!! WHY ARE YOU ALL SO IXXXX????? WHY WOULD YOU ONLY PROVIDE ONE WAY FOR ME TO PROVIDE INFORMATION????? WHY WAS THERE NO DIRECT POINT OF CONTACT WITH A NAME????? CUSTOMER SERVICE XXXX!!!!!!
Product: Credit reporting or other personal consumer reports

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

Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

DEPT OF ED / XXXX XX/XX/XXXX XXXX DEPT OF ED / XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

XXXX Experian XXXX and XXXX fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Debt collection

This situation has been incredibly frustrating and overwhelming. Imagine waking up to discover a debt that isnt yoursunverified and completely unexpectedfollowed by constant harassment across various communication platforms. The tactics being used, coupled with threats of legal action, have added an unnecessary burden to my life. As a law-abiding individual, this experience feels like a blatant violation of my rights as a consumer. The stress of this situation has affected my mental well-being, leading to sleepless nights and a constant sense of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Credit Reporting Agency Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate
consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Ikes Please review the Inaccurate Information being report : - XXXX XXXX XXXX XXXX to : Follow XXXX XXXX ' ( Instrumental ) Conduct a proper investigation into my dispute. 
XXXX stepbytstep XXXX  in a clear and comprehensible manner. 
+
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : There was a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called Equifax to inform them of the fraud, they said you need to request a letter from XXXX XXXX XXXX that it was a fraud and they will remove the inquiry and address. I called XXXX XXXX XXXX for the fraud, they sent a letter to Equifax to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, Equifax received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, XXXX XXXX XXXX sends another letter stating the inquiry should be removed because it was their error, but Equifax now says, you need to have XXXX XXXX XXXX call the Equifax department to remove the inquiry. I called XXXX and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - Equifax will not remove the hard inquiry and I am frustrated that Equifax is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, my name is XXXX and I mailed out a few dispute letters to Experian, XXXX and XXXX. They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you
Product: Debt collection

" Office of Maury Cobb '' has called using several different phone numbers. The office is listed online as a scam debt collector that buys debt. The most recent number the robo call came from was XXXX. My phone caller ID has every number the office of Maury Cobb has called listed as a " Potential Spam ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. XXXX and XXXX still show the following : XXXX. XXXX as past due and in Collection. XXXX was Part of my DischargXXXX 2.Nationstar As past due and in Collection. Nationstar was part of my Discharge XXXX XXXX as past due and in Collection. XXXX was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, CA XXXX, BANK OF AMERICA XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX EQUIFAX VIA XXXX " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax XXXX and XXXX, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including Equifax from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

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

I have never had a single late payment on XXXX of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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

As of XX/XX/2024 Several closed accounts are still showing up on two of my credit reports, but deleted on one. According to the FCRA, all reports must match with accuracy.
Product: Checking or savings account

Hi, I have this account since XX/XX/2021, and now Im having issue accessing to the online banking thought the app. The app has been updated a few days ago, and now when I try to access, the app is requesting my 6 digit of the SSN.

As Im not US citizens and also not US resident I don't have that number. 
I called customer service and they didn't help, and I also was transferred to a " branch '' and they said we will call you back ( didn't happen )
Product: Credit reporting or other personal consumer reports

I am seeking your assistance concerning this incorrect account reflected on my credit report. I am bringing this to your attention as it has harmed my reputation, and I need your intervention. Your mishandling of my credit report left me desperate because your erroneous reporting tarnished my reputation. It is crucial to eliminate these errors so I can live peacefully with my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate because I did not give permission for neither of the companies to gain access to my credit profile. I asked for the creditors and also the credit bureau to furnish documentation and none of the documentation was shown to me. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate or there can be a penalty of XXXX $ for every inconsistency being reported that is making it hard for me to be productive in society due to the lack of properly investigating the matter. 
Inquiries : 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: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports This LVNV FUNDING LLC is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 card or prepaid card

I have spoken to XXXX XXXX XXXX and XXXX, Given my permission to talf to my Daughter at least 15X 's. XXXX insists there is no such charge, Bank is Harassing me. 
I need help! Thank you, XXXX
Product: Vehicle loan or lease

They unlawfully reported an account on credit report with my permission, Which they validated the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is a formal complaint in regards to violations of my FEDERALLY PROTECTED rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Violation of my privacy rights under FERPA : The Department of Education/XXXX  has unlawfully provided " transaction '' history to third-party companies, which directly contradicts the provisions outlined in FERPA.

Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of EducationXXXX has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. The request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to the notated Credit Reporting Agency, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the XXXXXXXX XXXX XXXXXXXX  Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights. 

DO NOT CLOSE THIS COMPLAINT FOR FEEDBACK RESPONSE, ONLY FOR ACTUAL REMEDY BEING ENFORCED.