23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken.
Product: Mortgage

I am writing to formally dispute the inaccurate late payment information that has been reported to the credit bureaus regarding my mortgage account [ XXXX ]. I have reviewed my consumer report, and I have identified several discrepancies in the reported payment history that I believe are a clear violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S. Code 1681 et seq.

Specifically, I am disputing the following late payments that are incorrectly reported on my credit report : 1. Three consecutive 30-day late payments for the months of XX/XX/XXXX through XX/XX/XXXX. 
2. Eight consecutive 60-day late payments from XX/XX/XXXX through XX/XX/XXXX. 
3. One 90-day late payment for XX/XX/XXXX. 
4. One 120-day late payment for XX/XX/XXXX. 
These reported late payments are inaccurate and do not reflect the actual payment history. I request the immediate removal of these incorrect late payments from my credit report and the updating of my account status to " Paid on Time. '' Failure to correct these inaccuracies is a violation of the FCRA, which mandates that all information reported to consumer reporting agencies must be accurate and verifiable.
Product: Credit card or prepaid card

This is additional information, copies of invoice which were wrong doing within, referred to case number XXXX XXXX, I submitted to CFPB on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing. 

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out. 

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit reporting or other personal consumer reports

From the very beginning, Service Finance Co, LLC has long been aware of my problem with their Dealer who lied about their product. They paid them over {$40000.00} and charged me with paying it back. They now claim they have no current information that they can not locate the dealer and that they have severed ties with the dealer. I filed a legal claim on XX/XX/year> indicating both as Liable for damages caused against me and my credit. Service Finance continues to harass me and report negative information against my credit. While debiting my checking account monthly for {$130.00} they continue to report an outstanding and delinquent balance on my account. My credit score dropped from XXXX to XXXX after their assault against it. Someone has has to help with this problem. People are continuing to be take advantage of and hurt by this Dealer and this financier. Some have even called to inquire about this process. I am so hopeful that other citizens will learn of this unscrupulous and unethical business dealing.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act EFTA as it requires timely access to funds. This situation rises concerns about consumer protection laws, and I request your assistance in investigating in this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX. I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Student loan

This is my second complaint with Navient. I feel like I am out of options. Navient acknowledges that I am totally and permanently XXXX. My federal student loans have been discharged through XXXX discharge. Navient has adjusted the interest rates on the loans taken out before what they consider my date of XXXX, but not the one taken out a few months later. Currently, as they are aware, my only source of income is SSI, which is {$770.00} a month, and which I will start receiving XX/XX/19. My monthly Navient payment, despite the " adjustment '' is {$240.00} pet month. This is 31 % of my already low income, so you can see how it is impossible for me to pay and still survive. My condition is not expected to change in the future ; I will never be able to pay {$240.00} a month. I have been in forbearance for months, borrowing the {$150.00} to keep them off my back, but I have no more forbearance time and they are calling every hour. I'm also pretty sure it's a robocall, because it takes a minute after I saw " hello '' for it to connect to a human, but that's a whole other issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on TransUnion, XXXX, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into TransUnion and XXXX. On XX/XX/XXXX, the suspects gained access into Transunion and XXXX and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called XXXX, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from TransUnion on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own XXXX account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

failed to remove inquirie after conversation
Product: Debt collection

Account Number XXXX XXXX  CAINE & WEINER COMPANY INC The reporting of such inaccurate information has caused me severe damage to my character, my reputation, my general motive of living and my ability to obtain credit for personal and house purposes. 

your inaccurate reporting have damaged my livelihood. 

According to the LAW Fair Credit Reporting Act : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The Collection Agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection in my consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( i ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A )
Product: Debt collection

Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, WI XXXX XX/XX/XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me
Product: Vehicle loan or lease

This account is paid up and no longer delinquent. The creditor is having a hard time providing updated payments and history. I reached out to them but to date they havent updated
Product: Credit reporting or other personal consumer reports

I submitted a dispute to correct errors in my credit report through certified mail. The company did not conduct a proper investigation. Their negligence has caused me serious financial harm, a new vehicle, as well as be turned own for a home I was attempting to purchase. Upon initial receipt of my documents the company just decided to delete almost all of my accounts which included auto loans, and several credit accounts. Then I called to inform them of the mistake which by the way I only found out but looking online, they never mailed a physical report showing what they had done. During that phone call the representative grew frustrated because he wasn't able to properly locate and go over my documents so he just decided to reinsert all items including the disputed ones causing this even more catastrophic damage being I was in the process of making purchases. He also lied and said they we're still in dispute status which they we'e not they just mailed me the same report that I started with from the beginning, along with a new page to start a new round of disputes. Equifax has been involved in many shady dealings and causing more harm to consumers then the law allows and they must be reprimanded. I am forwarding all documents upon completion to my attorney to seek financial compensation as well as corrections to my credit report. I will attach the results from their initial deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to prove my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened XXXXXX/XX/XXXX am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports