23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This account is being reported. I see repetitive CO marks and invalid date of last activity, XXXX shows XX/XX/XXXX, XXXX   XX/XX/XXXX and XXXX XX/XX/XXXX. This is a clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I've contacted Trans Union several times concerning the following incomplete information on the following matters : XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX acct # : XXXX I've contacted Trans Union to challenge the reporting and compliance on the above alleged accounts, that is being reported on my credit report with incorrect/missing information. I am referencing the fact they continue reporting this information with a PARTIAL account number. With Trans Union NOT reporting the entire account numbers, they are NOT reporting 100 % accurate information as REQUIRED by SECTION XXXX of the Fair Credit Reporting Act. And their practice is HIGHLY DAMAGING to my XXXX XXXX!! They claim their information is accurate, however i continually have requested the names, address and telephone numbers of each individuals contacted regarding these alleged accounts. I requested from Trans Union a copy of ANY & ALL documents bearing my signature, yet they continue to fail to provide me with this information. I requested that ANY automated response or E-Oscar verification is UNACCEPTABLE!!! I requested a reinvestigation and their methods of verification, I never received any of this information. I reminded them as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX, XXXX ), Trans Union XXXX be held liable for their willful non-compliance. Also, there's a Hard inquiry on my report from XXXX XXXX on XXXX, XXXX, i DID NIT AUTHORIZE. And this shouldn't be allowed in my credit file unless i authorized it. Again, Trans Union has ignored my request to have this removed. I sent certified mail requesting in both matters these issues be immediately removed because it's making it very difficult for me to acquire credit. And AGAIN, they have ignore my concerns
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Checking or savings account

This is now my 4th or 5th complaint with Wells Fargo Bank with no resolution. I have now started seeking legal counsel in order to help me with the injustice and defamation of character I have received. 

On XX/XX/2022 I filed a complaint in regards to my account being closed I.D . Number : XXXX, which was denied by Wells Fargo and the claim was closed. I again filed another complaint on XX/XX/2022 regarding the same issue, I.D . Number : XXXX, which was denied by Wells Fargo Bank again and claim was closed with no resolution. 

Since these complaints have been filed, I have tried opening an account AGAIN at least 2 more times and Wells Fargo has closed the accounts due to CIP and as newly stated on XX/XX/2022, that there are inconsistent internal and public records of my information and identity. In result of this my NEWLY opened accounts as of XX/XX/2022 are in the process of being closed once again. 

I have received mitigation forms in regards to this matter from Wells Fargo Bank and will be responding. 

I now feel that I am being targeted and my character is being challenged, as Wells Fargo Bank continues to tell me after several complaints that I am not providing them with the truth that I have visited their branches on multiple occasions and verified my identity, as well as I have spoken with phone bankers and representatives to verify this. 

Previously my accounts were closed for an unverifiable address, which Wells Fargo Banks system continues to change/adjust on their own from what was provided to them. As the letter states received on XX/XX/2022 ; " recently, we reviewed your consumer file and found missing/ or inaccurate information. '' According to Wells Fargo Bank representative XXXX ID # : XXXX ON XX/XX/2022 AT XXXX, my information on file was correct and I should not have to worry. My account was then closed a few days later. 

According to all credit bureaus, my address is listed and confirmed as what I provided to Wells Fargo Bank. ( Please see attached. ) Another letter received from Wells Fargo Bank on XX/XX/2022 states, " Our records indicate on XX/XX/2022, we received notifications from the United States Postal Service ( USPS ) with regard to your address and as such, YOUR ADDRESS WAS UPDATED AS SHOWN BELOW. '' When Wells Fargo Banks system updates my address from what I provided to them, it triggers my accounts to be closed over and over again. I have a witness as well as Wells Fargo Bank customer who has not had this issue when previously applying with the same address and accounts have never been closed.
Product: Credit reporting or other personal consumer reports

there is a fraudulent auto loan being reported to my consumer report XXXX XXXX XXXX Account XXXX : XXXX under the FCRA 1681i ( a ) ( 5 ) - Duty to Correct or delete inaccurate information Experian is in violation I have also included FTC identity theft report
Product: Checking or savings account

I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth XXXX XXXX  for something that is not my mistake. Then I attempted to deposit again even it has funds they charged again a return fee plus way too many overdraft protection. I called XXXX and they said I never had any stop payments so why Bank of America is doing that anomaly. Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credt cards ) at BofA, Until XX/XX/XXXX they are still charging a closed account. Now, my credit score got affected by Bank of America 's fraud? My credit score is XXXX, now it dropped to XXXX. Now they are collecting another XXXX XXXX again.
Product: Debt collection

XXXX XXXX XXXX is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic information. I received a copy of my consumer report and noticed an inaccurate collection account they reported with a balance of {$750.00} along with one with 1 late transaction on ( XX/XX/XXXX ). This company is attempting to collect a debt that is not owed and proven to be a direct result of identity theft. On ( XX/XX/XXXX ) I sent XXXX XXXX XXXX a notice of their violations attempting to collect this very debt, to cease and desist all collections activity regarding this alleged debt, that I am not legally obligated or responsible to. The original creditor they listed on the consumer reporting agencies, XXXX XXXX removed this credit card debt account from my reports before attempting to sell it to XXXX XXXX XXXX because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). 5 months later, they are attempting to collect this same debt that has already been proven to be inaccurate with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and REGULATION F which took effect on XX/XX/XXXX. Aside from providing any original consumer agreement with my signature on it, XXXX XXXX XXXX also cant provide me with the original statement they allegedly sent me 21 days before the late transaction in this collection account was reported to the consumer reporting agencies which is a violation of 15USC 1666 ( b ). By furnishing this late transaction, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. XXXX XXXX XXXX must remove this collection account, I do not owe this debt.
Product: Mortgage

My name is XXXX XXXX, Attorney. My Law Firm is handling the short sale on the property XXXX XXXX XXXX XXXX with the loan servicer, The Money Source and have submitted all of the necessary paperwork as well as an Authorization on XX/XX/XXXX. 

We began what is usually a 60-90 day process on XX/XX/XXXX. We had to work through several workouts with judgment creditors, and we had value issues. However, we finally resolved all of these issues and met all requirements of the VA and The Money Source regarding the short sale on XX/XX/XXXX. The Money Source should have issued a Short Sale Approval immediately thereafter. 

However, on XX/XX/XXXX we were informed that before issuing a Short Sale Approval, The Money Source would need a " Potential Successor in Interest '' form. We explained that that was not needed in this case because XXXX XXXX XXXX ( the Husband ) is the sole owner of the property as his wife, XXXX XXXX XXXX, died on XX/XX/XXXX. Title to the property was held as Husband and Wife ( also known as Tenants by the Entirety ). Therefore, on XX/XX/XXXX, XXXX XXXX XXXX immediately became the sole owner of the property and there is no Successor in Interest and no need for such a form. We indicated that we would certainly review the document and have Mr. XXXX sign it, if it was appropriate. We have never received the document. Mr. XXXX has never received the document. Mr. XXXX 's daughter and POA, XXXX XXXX XXXX XXXX, has not received the document. 

The complete short sale package submitted on XX/XX/XXXX included the death certificate of XXXX XXXX XXXX. 

For the past 6 weeks, the parties to the transaction have been held up by The Money Source over an issue that does not exist. They have never sent the Possessor in Interest Form that they said they could only mail to the husband. They are now wanting instead to change the owner of the property to the Estate of XXXX XXXX XXXX. As explained above, that is incorrect and inappropriate. 

After many phone calls over the past 6 weeks, we are about to lose the transaction because The Money Source does not understand the basic issue of Tennants by the Entireties and is requiring something that is not just unnecessary but incorrect by the laws and statutes of North Carolina.
Product: Credit card

On XX/XX/2024 I ordered an item from my Macys app and using my macys credit card for payment. Item was a XXXX XXXX XXXX portable air conditioner, 3-1 air cooler with remote control for {$260.00}. Order # XXXX. About an hour later, I saw same item for sale at XXXX for {$230.00} ( see attached pics ). I called Macys on three ( 3 ) occasions on XX/XX/2024 and each time was told that macys does not do price matching. I explained on each occasion Im not asking for a price match but a price adjustment, which under macys on store policy is allowed and even providing instructions on sending information relating to the price adjustment documents needed, ie receipt of original sale from macys and documents of lower price found. Eventually, I spoke with a supervisor who consistently stating that macys does not do price matching. I have to explain several times to this supervisor, who is still unfamiliar with macys store policy of Price Adjustment policies and how to request such an adjustment, Not a price match! Unfortunately, supervisor would not assist me nor even look online of Macys store policy on price adjustment requests that I would provide or she can look up herself. I then informed the supervisor I would just fill a complaint with Macys, the XXXX and the department of consumer affairs. Supervisor did not care and just replied fine, ok. Im asking that, per the attached pics of macys online policies, that the XXXX intervene and have the original price of {$260.00} that was charged on my macys credit card through the macys app be credited, given the price adjustment of {$28.00} credited back on my macys credit card. This would be the difference of original payment of {$260.00} and the request of price adjustment per macys own policy to ask for. This is absolutely ridiculous to file a complaint like this for something like a price adjustment of {$28.00} which Macys own policy allows customers to request on their website. You follow this instructions for the request price adjustment and provide the appropriate receipt and lower price its referred to in order to receive the price adjustment not price match as the supervisor seems unwilling to accept or even view on macys own website policy.
Product: Student loan

I am a XXXX XXXX Veteran. In XXXX I started working for the XXXX XXXX XXXX XXXX, During that time I applied to have my loan forgiven at least twice, both times I applied I was told that I did not qualify and no other explanation given. In XXXX, I transferred from the XXXX XXXX XXXX XXXX XXXX XXXX and I applied again. ( By that time I had just about finished making payments. ) XXXX of my last conversations was with a XXXX named XXXX said she had to refer to her colleagues. I was told it was denied because it as paid off by then. She apologized and I was then told to contact the Ombudsman 's office for help. Spoke to XXXX who transferred me to XXXX, no help. Meanwhile, I had several non vets that worked with me that had their loans totally forgiven on their first attempt. Why was my loan not forgiven after XXXX  years of service? 

Case # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Unlawful Credit Reporting Violations - Reference to California FCRA and Identity Theft Laws Dear KIMBALLTIREY, I hope this message finds you well. I am reaching out to address a concerning matter related to the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as California identity theft laws, specifically Penal Code Section 530.5. 

It has recently come to my attention that KIMBALLTIREY has engaged in the unauthorized reporting of information to my credit report without obtaining my explicit consent. The FCRA explicitly outlines the consumer 's right to grant consent for such reporting activities under Section 1681b ( a ) ( 2 ), and it is imperative to adhere to these federal regulations. 

In addition to federal law, California state laws, especially Penal Code Section 530.5, highlight the serious nature of unauthorized access and misuse of personal information, emphasizing the need for explicit consent in credit reporting. 

I want to make it unequivocally clear that I have not provided consent for KIMBALLTIREY to report any information to my credit report. This lack of explicit permission constitutes a direct violation of my rights, with the potential to harm my creditworthiness and a blatant disregard for federal and state laws. 

I insist that KIMBALLTIREY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Penal Code Section 530.5. Failure to comply within the specified 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I urge you to give immediate attention to this matter, and I expect that KIMBALLTIREY will promptly rectify these violations, respecting my rights under federal and state laws. 

Thank you for your prompt action in resolving this matter. 

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

Consistently made payments and company continues to report to credit bureau that payments are late.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX ( late payment ) -XXXX XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland Credit is reporting a collection account on my reports that I am not familiar with. I have tried contacting this regarding this account and have not gotten a response back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

Midland Credit is in violation of my rights as a consumer as they have not responded to my disputed concerns of this debt and I am demanding all documents concerning this account be sent to my mailing address and this account be deleted from my reports now!
Product: Credit reporting

Consumer Financial Protection Bureau cc XXXX Experian Credit report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX XXXXXXXXXXXX Re : XXXX XXXX XXXX Installment Accounts none reporting via Experian as of the date of this letter. 
XXXX XXXX XXXX Installation Accounts XXXX and XXXX XXXX XXXX, 2016. 

I have tried on several attempts via the lender, XXXX XXXX and finally with XXXX on XXXX XXXX, 2016 in addition to a follow up call with Experian direct ( I spoke with customer care dispute representative XXXX ) on the date of this letter@XXXX ; however with no success. As the representative advised that the dispute was not showing as pending/received. Notwithstanding he advised that I dispute the issue with the lender again, which I have done on several occasions without any successful update of said Experian. 

Please assist. 

Thank you.. 

Sincerely,
Product: Credit reporting

This past XX/XX/XXXX I had XXXX accounts from XXXX and they were removed from my credit report. As I was looking at my credit report I noticed that when the accounts were removed from all XXXX bureaus and my credit score was only updated from XXXX and XXXX not with TransUnion. When I contacted TransUnion on XX/XX/XXXX, to find out why my credit score had not been updated due to the changes in my credit report all they could tell me is that they do n't know? I know TransUnion has been in the news for doing for not reporting accurate information on people 's credit report and now I 'm going through this. Attached is a case I won and the lawyers submitted this to the credit bureaus but for some odd reason TransUnion fails to update my credit information in regards to that case. Could you please look into this and find out why have n't they updated my credit score do to the changes with the deletion of XXXX accounts from XXXX so my credit score should reflect the changes the other credit bureaus did not sure why TransUnion is giving consumers problems. All I want is my credit score with TransUnion to reflect the changes of the XXXX accounts being removed and they have n't.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus on multiple occasions and have yet to receive a legitimate investigation or response. I am reaching out to the CFPB Regarding my concerns with the accounts listed below Please have these accounts removed from my credit profile XXXX Date opened incorrect, Balance incorrect XXXX Balance Incorrect XXXX Date Last active incorrect Balance incorrect Date opened incorrect
Product: Credit card

I went to make a charge on my credit card in XXXX CA from my Chase credit card which I had ample credit and an excellent credit score and it was denied. I pay {$95.00} per year to use the card and they denied it. They later informed me it was denied because it was not my regular spending pattern. I was embarrassed in front of my colleagues and used \ another card. Chase is charging me for a card I ca n't use because I made a a large purchase???