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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Mortgage

In the XX/XX/XXXX, I was approved for a modification on a home that I have been paying on for almost 15 years. I made trial payments for three months on all three mortgages. I also had the help of an attorney during this tiime. 

It is documented, by Wells Fargo, and my attorney that the bank made false entries into my records regarding attempts to reach out to me and claimed that they were not able to reach me or were hung up on. This has been proven to be untrue. The bank has admitted fault in this regard. 

In XX/XX/XXXX, Wells Fargo requested that I submit finalized modification paper work. Considering the modification approvals a success, my attorney requested that Wells release representation from their firm. I called over and over trying to get my representative on the phone in order to ask questions regarding my paperwork on the 1st mortgage and have phone records showing my calls to Wells Fargo. I was finally able to get my representative ( XXXX ) on the phone. She explained that she could not answer questions or speak to me regarding my modification and and acknowledged that XXXX had received the release of representation from my attorney but that this had not been properly processed through the Wells systems. I expressed my concern with the date that papers were to be returned to Wells Fargo, she assured me that all was well and that she would call me withing a few days once the 'release ' was processed. Again, I asked about the date which was upon us for returning the papers and she told not to worry about the date and that all was well. She would call me soon and move things forward. 

After calling repeatedly, with no response, I was informed by letter in the US Mail that my modifications approvals had been retracted. 

Since then, I have been asking Wells Fargo to, through open cases to please review call logs and to reinstate my modifications. This has not happened. 

I borrowed money from family in order to bring loans current in XX/XX/XXXX. My intentions are to stay in this home and satisfy my loans. However, Wells has made this nearly impossible with their missteps. I need help through this complaint.

There is a pre-foreclosure hearing now scheduled on the XX/XX/XXXX. Please help. I do not know what else to do to get the lender to work with me.
Product: Credit card

On XX/XX/2024, I was alerted to a charge on my credit card via text message to verify a charge at XXXX. I immediately went online to verify that the card was being charged by several vendors and it was not being used by me. I immediately called Citi to let them know that this was not me. They opened a dispute and sent me a new card. However, in XXXX I received a letter stating that the dispute was closed and I would be charged for the transactions. This was not a charge by me and I have been banking with Citi for years and would not dispute something I clearly charged. They have not provided me with any documentation to the sort about how they came to this erroneous conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}
Product: Mortgage

SPS sold our property at auction on XXXX/XXXX/2016 despite sending us a letter which arrived XXXX/XXXX/2016 requesting " additional documentation you would like us to consider while evaluating this account for an alternative to foreclosure ''. We believe this is a detrimental reliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Mortgage

The real estate taxes were not paid for XXXX or XXXX. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. 

I have called, emailed, filed tickets for 'payment research ' inquiries, and we have not heard anything back from Loan Care. I always have to initiate the contact. 

XX/XX/XXXX Representative XXXX let me know that there had not been an investigation started because they did not show that the taxes were delinquent. I added documents to the online account to show the tax bills as well as the statements we received from Loan Care showing that they had taken money from our escrow account. 

XX/XX/XXXX I emailed the payment research department with a request to open an investigation. I was told that there were notes in our account from XX/XX/XXXX that showed we had no delinquent taxes, but when I checked the website myself, it DOES show that no taxes have been paid for XXXX or XXXX. 

XX/XX/XXXX I was told the specific check numbers for the payments, however no one ever followed up with whom the money went to. They were supposed to see who endorsed these checks or if they had even been cashed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I reached out to Experian the credit bureau. Refusing to assist in removing fraudulent activity on Experian 's account. Several inquiries such as XXXXXXXX XXXX XXXXs, Auto loans, House loans, and many more that do not belong to me. I'm a victim of Fraud. Agents will slam their keyboards while talking to me, asked me to file a police report, and refuse to assist me.
Product: Checking or savings account

Someone I dont know never did business with name $ XXXX in XXXX XXXX sent me a deposit for XXXX on my cash app XX/XX/23 and I immediately return it back to them. On XXXX I received a text message from cash app stating that they were taking XXXX out of my credit union bank account to pay $ XXXX. I immediately contacted my bank and the transaction was pending as I purchase something. The bank advise me that they were unable to dispute the charge Because it was still pending until XXXX. I contacted Cash app and they advised me that the person disputed the charge with their bank and and unfortunately, there was nothing that they can do about it. I reach back out my bank and the funds were taken out on XXXX XXXX and XXXX XXXX XXXX started the dispute. I asked my bank why they release funds on a dispute when they never seem the original charge. They said cash app sent it over as if I was purchase and there was nothing to dispute. I contacted cash app again and they said they see the transaction of it being sent to me and me returning the money and if it was a dispute they should have follow what she did with the XXXX. They basically told me my lost and she got XXXX and there nothing I can do. 
I am waiting on my bank and Im in the process right filing charges on the person once I found out who they are and filing charges on cash app. I feel like this is someone working inside cash app doing scams
Product: Prepaid card

Hi, my name is XXXX XXXX and I received a direct wire deposit from payoneer and I was told that the money was sent in someone else name which was my friend XXXX XXXX as a wire transfer! it was approved and XXXX hour later today I receive a email about verification needed and to send in id and ss to gain access to the funds which I declined because it was no problem to accept the funds now it was a problem! {$4400.00} is on my account which I stated I wanted the account closed and funds returned to the sender which was payoneer and they are refusing to return the funds stating I would need to provide the letter and I declined because that is not what was told prior to me asking to close the account
Product: Credit card or prepaid card

I have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ). 

On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date.

The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020. 

Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}. 

Thank you for reading and hopefully assisting with this frustrating issue.
Product: Credit reporting or other personal consumer reports

Data Was Exposed in Data Breach. I am Challenging all Accounts on Equifax Due to my Data being Exposed in a data breach According to 15 usc 1681i ( a ) 1 The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph. The Company Failed to do so. So under section 605 B, i am formally Requesting this to be removed in 4 days.
Product: Credit reporting or other personal consumer reports

I reviewed my credit status and realized that these accounts are damaging my credit, causing personal and financial problem for me. I request that these accounts be removed immediately from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal actions were taken against XXXX XXXX XXXX regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against XXXX from the State of Georgia to Equifax on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. XXXX XXXX XXXX is not reporting to the other bureaus, but Equifax is claiming validation of the account I am no longer legally responsible for.
Product: Mortgage

I recently went under contract on a home and was working Guarantee Rate to secure a mortgage. I was disputing a liability that had come up during the process. In response, they sent me, my wife, and my realtor full account numbers for my student loans, my wife 's student loans, and our car loan. This was done without password protection or encryption. I believe that in this case my realtor was a nonaffiliated third party who should not have been given access to this full PII information under regulation p.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX dated XXXX/XXXX/XXXX, file number XXXX, letter states that I 'D Theft Afidavit from Police Report, and does not meet their standards as a valid Identity Theft Report. XXXX XXXX and XXXX, accept the information as well as resolved the issue, why would XXXX XXXX have a different standard, and not except the same information that has been approved and processed by other CRA 's
Product: Money transfers

I made a transfer from my Bank of America checking account to my XXXX savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my XXXX account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a Bank of America branch and they deposited it into my BofA account. Then a few days later it was taken out of my Bof A account again with a " refer to maker '' error. I again went to Bof XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that XXXX presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact XXXX to get them to research it to no avail as they state the money is with Bank of America. This has been going on since XXXX and I feel that I have been defrauded out of XXXX since neither bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX 
Account Number : XXXX