23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I opened an account. I deposited a {$100.00} check via the mobile app. A few days later I transferred {$10000.00} from another bank account. 10 days later they suspended my account and will not give me my funds. They want my to provide a w-2 form plus a copy of my tax return. I dont want to provide this information as this is a new bank and Ive had identity theft in the past. Also, in all my years of banking Ive NEVER had to provide a tax return and a w-2 to open a checking account. I just want my funds and my account closed and never do business with this bank again. Had they not opened the accounts until I provided this information I would have not opened the account and would not have sent them my money. Ive tried to contact the bank several times and they are not willing to help.
Product: Mortgage

Im a widow my husband passed away on XX/XX/2013 and we have a reverse mortgage on our home. I am the co-borrower on the signed closing documents. When my husband passed away Wells Fargo came at me with a foreclosure, stating that I was not on the mortgage and that I had to prove that this was my home. They denied that I was a co-borrower and my name is signed on the line that states co-borrower and I had been married to my husband almost 60 years. I immediately seek an attorney to help fix this problem after years paying this firm almost {$30000.00} Wells Fargo in the middle of the process sold my mortgage to another bank and they started foreclosure proceedings as well. Hired another attorney firm and when we were about to finish the process this bank which is called XXXX XXXX thats an affiliate of Wells Fargo I was told sold it to another mortgage company named XXXX Mortgage which made me again start the process all over again. Im an XXXX XXXX XXXX woman that is trying to fix this problem and still have not been able to do so and when Wells Fargo had the mortgage they would not recognize me as the lawful owner of my home even though in XXXX XXXX that I live in the deed of the house is legally in my name. Please someone help me because even my attorney which is a new one can not get through any of these banks to finalize this mistake and deem me the owner of my home. Also, my grandson has been fixing my home because it was falling apart. XXXX put a brand new roof and storm windows and doors new fence and paint so it would not look like a haunted house. XXXX put almost {$100000.00} in upgrades to the house and these people wont even negotiate any
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Credit reporting or other personal consumer reports

My information was exposed in a data breach. According to 15 USC 1692c my rights have been violated by unlawful communications. Please remove the following from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding XXXX XXXX Account Request for Immediate Deletion I am writing to formally dispute the reporting of an account associated with XXXX XXXX on my credit report. Based on the detailed account history provided below, it is clear that the reporting of this debt violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I request the immediate deletion of this account from my credit report for the following reasons : Account History Overview Original Creditor ( XXXX XXXX : Charged off with a date of last activity on XX/XX/XXXX and date opened on XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : Deleted by Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX ( XXXX ) : Deleted by Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
Current Collector ( XXXX XXXX ) : Active and disputed, with a date of last activity as XX/XX/XXXX and a reopened date of XX/XX/XXXX. 
1. Violation of FCRAs 7-Year Reporting Limit Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), adverse accounts such as charge-offs and collections must not appear on a credit report more than seven years from the date of first delinquency ( DOFD ). The DOFD for the XXXX account is XX/XX/XXXX, making this debt time-barred for reporting as of XX/XX/XXXX. 

XXXX XXXX has improperly re-aged the debt, claiming a new last activity date of XX/XX/XXXX to extend the reporting period unlawfully. This constitutes a clear violation of FCRA guidelines and requires immediate removal of the account from my credit file. 

2. Previous Deletions by XXXX XXXX XXXX and XXXX This debt has already been investigated and deleted by two prior collection agencies XXXX XXXX XXXX XXXX XXXX XXXX  ). The deletion of these accounts indicates that they could not verify the validity of the debt or their ownership. XXXX XXXX reappearance of this account contradicts prior investigations and violates FCRA 1681s-2 ( b ), which requires accurate and verifiable reporting.

3. Misrepresentation of Debt and Re-aging Violations ( FDCPA 807 ) The reporting by XXXX XXXX constitutes a deceptive practice under FDCPA 807, which prohibits misrepresentation of the character or legal status of a debt. Re-aging the debt and reporting it as active in XX/XX/XXXX is a fraudulent attempt to revive a time-barred debt and mislead both creditors and consumers. 

4. Failure to Respond to Debt Validation Request In XX/XX/XXXX, I submitted a formal debt validation request to XXXX XXXX under FDCPA 809, and they failed to provide any documentation to substantiate the debt. This failure makes their reporting legally invalid and requires immediate removal of the account. 

XXXX. Inaccurate Reporting of Debt Amount While the original debt owed to XXXX was {$2000.00}, XXXX XXXX is reporting inconsistencies in dates and amounts that contradict prior reporting by XXXX XXXX XXXX XXXX XXXX. Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, which has not been achieved in this case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally dispute XXXX unauthorized hard inquiries on my credit report that I did not authorize. Upon reviewing my credit report, I have identified the following inquiries that I believe to be inaccurate : Creditor Name : XXXX  XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize these inquiries, nor did I apply for any credit or services from the companies listed above on the dates provided. As such, I request that these inquiries be removed from my credit report. 

Please conduct a thorough investigation into this matter and provide me with the results within the 30-day period required by law. If these inquiries can not be verified as authorized, I respectfully request that they be removed from my credit file. 

Should you need additional information to assist in your investigation, please feel free to contact me by phone at XXXX or via email at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of SSN : XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting that I have an eviction on my record but I dont. They reported to a tenant agency that I have an eviction and I dont and I have hard inquiries on my report that I havent made.
Product: Credit card

I applied for and was approved for a Bank of America XXXX XXXX in XX/XX/year>. As part of the application process, I provided all my personal information, including my long-term personal phone number ( XXXX ), which has an active fraud alert. Bank of America verified this number with me during the application process. 

I received the card approximately 10 days later and was able to use it without issue for in-person ( card-present ) transactions. Since I am currently serving overseas, this card seemed ideal for my needs while traveling. 

However, when I attempted to make a large online purchase using XXXX XXXX, I encountered a significant issue. Upon calling Bank of America, I was informed that they could not send me a one-time code to verify the transaction. I was advised to call through the app to resolve the matter. I followed their instructions, calling through the app, and provided all the personal information they requested. 

After completing this process, I was then informed that I would not be able to use the card until I physically visited a Bank of America financial center in the United States. This is an unreasonable requirement for someone serving overseas, as I will not be in the U.S. for several months.

As a result, the card is effectively useless to me and has become a burden. Worse yet, its mere existence has negatively impacted my credit score due to the hard inquiry from the application. This situation is both frustrating and unacceptable, particularly since none of my other credit card providers have imposed such restrictions, even for new accounts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Bank of America rectifies this issue, as it directly impacts consumers like me who rely on their services while serving overseas. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX ran a hard inquiry without permission resulting in a lowered credit score. I never visited this particular dealership and dont know how they obtained my information to conduct a credit check. Ive called and left my phone number with the secretary two weeks ago and was told someone will contact me regarding this issue. Ive called back and no one still has any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX
Product: Debt collection

Admin Recovery attempted contact with family and attempted contact with me at work on or about XXXX XXXX 2017 about a debt. Admin Recovery failed to provide me with information regarding a debt soon after they first contacted me.
Product: Debt or credit management

My information was bought and sold illegally because i am a victim of equifax data breach. I want these items deleted off of my credit report immediately. I am attaching proof that equifax admitted I was a victim of the data breach and equifax hasn't done anything about it. please help me get these illegal accounts off of my credit report. {$2100.00} XXXX XXXX XXXX. 
XX/XX/2023 {$600.00} XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX XXXX I XXXX. The following account is not mine Former : XXXX XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX I XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX Trans union Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX, XXXX, I XXXX. The following account is not mine Also Known As : XXXX, XXXX, I
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep putting names that I do not go by on my credit file and let people pull my report with names that are not mine they are to remove the name that i do not go by or be sued for false information contain in my credit file the report is to have accurate information the names are not accurate remove the names at once
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is tring to add negative item to my acctXXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this urgent complaint to address numerous fraudulent accounts and inquiries on my credit reports resulting from identity theft, as well as significant inaccuracies in reporting by the credit bureaus and creditors. Despite making three attempts to resolve this matter and allowing 30 days for corrective action, I have not received the requested validation or resolution. The discrepancies in account balances, dates opened, and payment statuses across TransUnion, XXXX, and XXXX violate 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Creditors have also failed to notify me of debts within the required 5-day window under 15 U.S.C. 1692g and have not validated the debts despite my repeated requests, in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). Furthermore, under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of fraudulent accounts upon providing proof of identity theft, such as a police report, which I have already submitted. The continued presence of these accounts constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1681c-2, credit bureaus are legally required to block the reporting of information resulting from identity theft within four business days of receiving appropriate proof, including a police report and written statement. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), data furnishers are obligated to cease reporting information found to be inaccurate or unverifiable. The CFPB has the authority to enforce these laws to ensure compliance and protect consumers.

I demand the immediate removal and permanent blocking of all fraudulent accounts and inquiries, as well as the correction of all inaccuracies in my credit reports. The credit bureaus must comply with federal law, specifically 15 U.S.C. 1681e ( b ), 1681c-2, 1681s-2 ( a ) ( 1 ), and 1692g, to ensure the accuracy and integrity of consumer reports. Failure to address this matter promptly will compel me to pursue legal remedies, including filing a lawsuit for damages. I request a formal investigation into the reporting practices of the involved creditors and credit bureaus. 

Accounts : XXXXXXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXXXXXX XXXX XXXX  ( Account # XXXX ) Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/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 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: Mortgage

Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.