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

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I went to XXXX to purchase decorations for my graduation cap. Upon checking out, the young lady at the register asked me if I wanted to apply for XXXX card and if I was approved, the purchase would be free. That was the first mishap in their communication process because that purchase was not free, I just found out it was added to that credit card I got approved for. The young lady proceeded to tell me that I should receive my XXXX credit card in the mail within a week or XXXX. It is XX/XX/2024 and the card was never sent to me. I received no credit card statement from XXXX. I received nothing at all. Today XX/XX/2024. I received an email saying my credit score dropped XXXX points because of a late payment, I proceeded to see what that late payment was only to see that its XXXX reporting on my credit for nonpayment for something I didnt know about. I immediately called XXXX to see why theyre reporting on my credit for a late payment I was transferred to the dispute department where the lady advised me that I owed XXXX something dollars on that credit card, which include late fees. She removed the late fees and I had to pay {$54.00} to settle the account and I prompt them to close the account, Because they are very unprofessional in the way they carry out business. I need that incorrect information that they placed on my credit report to be removed because that was their fault. They sent no communication to me for me to be aware that there was a balance that needed to be paid, If that was a case it wouldve been paid a long time ago and I would not be in this predicament so I am asking for them to remove that inconsistency from my credit report. Because it is not fair for me to take the fall for something that was not done correctly on their end. They were so quick to report the account being 30 days late, but not quick enough to send me a statement or even the credit card that I shouldve received 3 months ago.
Product: Credit reporting or other personal consumer reports

From your credit report, heres a list of accounts with adverse information : XXXX. XXXX XXXX Balance : {$250.00} Pay Status : Charge-off Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Pay Status : Sold ; was Charged-off Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$510.00} Pay Status : Charge-off Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$0.00} Pay Status : Sold ; was Charged-off Estimated Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX : Collection Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$930.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$480.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( multiple accounts ) Balances : {$1100.00}, {$630.00}, and {$640.00} Pay Status : Collection Estimated Removal Dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Portfolio Recovery Balance : {$630.00} Pay Status : Collection Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$900.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

See attached. Lexis Nexis is in violation of CFPB Regulation 1022.123 and 5 US Code 706 unlawful decisions and prejudicing me.

I submitted appropriate proof of who I am.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against Experian, XXXX, and XXXX for failure to correct inaccurate information on my credit report despite numerous dispute requests. 

I have provided sufficient proof that the following items on my report are inaccurate or unverifiable : Late Payments : The bureaus have failed to validate or remove inaccurate late payments from XXXX XXXX  XXXX ( Account # XXXX ). 

Hard Inquiries : The following hard inquiries remain on my report despite my request for removal under FCRA XXXX XXXX. XXXX : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ) Closed Accounts : Unverified closed accounts continue to report incorrect information, violating FCRA XXXX XXXX. XXXX : XXXX XXXXXXXX XXXX XXXX ( Closed, Account # XXXX ) XXXX  ( Closed, Account # XXXX ) XXXX XXXX XXXX ( Closed, Account # XXXX ) Incorrect Address Information : I have requested removal of past addresses multiple times, yet they remain on my report. The only correct address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. 

Under XXXX XXXX. XXXX ( b ), credit bureaus are required to investigate and correct errors within XXXX  days. They have failed to do so, negatively impacting my credit score and financial opportunities. 

I request that the CFPB initiate an investigation and hold the credit bureaus accountable for their noncompliance. Please advise on the next steps to ensure my rights are upheld. 

Sincerely, XXXX XXXX Last XXXX of social : XXXX DOB : XXXX XXXX XXXX
Product: Credit card

I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my file XXXX 2022. i notice some inaccurate information reporting om my file. i contact all bureaus and requested debt validation be provided. after the investigation XXXX removed the item. but Equifax ha not. under the fcra sec 609, it states that if an investigation is fount to have inaccurate, incomplete or unverifiable information. it is to be shared with all other bureaus. I have shared a copy of the investigation report showing it was deleted but Equifax continues to violate the FCRA knowingly. below is the account mentioned XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I purchased {$6200.00} on my Home Depot consumer credit card with a promotional offer of 24 months no interest. At the time, I had a balance of {$1700.00} originally purchased on XX/XX/XXXX ( original amount {$2400.00} ) due on XX/XX/XXXX All of the purchases in XXXX were erroneously put on a 6 month interest free promotion. I was told " Don't worry about that, it will get changed, but it could take 3 billing cycles to show ''. 
Beginning in XX/XX/XXXX, my payments were being applied to the " Earliest terminating promotion '', which was a balance of {$950.00} applied to my account on XX/XX/XXXX. This was supposed to be part of the 24 month promotional purchase. In subsequent months, they continued to apply my payments to the balances that had not been correctly moved to a 24 month promotion. Between XX/XX/XXXX and XXXX of XXXX, I made {$2800.00} in payments, which more than satisfied the balance due by XX/XX/XXXX if {$1700.00}, however, because they applied the payments to the incorrect balances, they never applied payments to that promotional balance. Subsequently, they charged me {$1500.00} in deferred interest in XXXX of XXXX, and moved the erroneous balance to a revolving balance which accrues at the rate of 25.99 % In all, I was charged {$1900.00} in interest in XXXX and an additional {$140.00} in XXXX Despite being told repeatedly it would be fixed, nothing has happened. 

The mistake was clearly theirs, however they are refusing to credit my account the interest that never should have been charged. How can this be legal? 

I have attached 4 statements : XX/XX/XXXX showing the purchases and previous balance XX/XX/XXXX showing the interest charged XXXX showing total interest charged in XXXX XX/XX/XXXX showing interest charged in XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to tried to resolve this issue with Wells Fargo Dealer SVC. They have been reporting unauthorized information on my consumer credit report causing me harm to my reputation, mental anguish and have made it difficult to obtain credit. Account XXXX does not belong on my consumer credit report. I have disputed the accuracy of this alleged debt with the consumer reporting agencies of XXXX and XXXX and they report this account as " verified '' when I request " validation '' of this alleged debt. On XX/XX/2021 I sent a letter to Wells Fargo Dealer SVC demanding Validation of this alleged debt. They have failed to respond to me with any form of validation. This account continues to erroneously be reported on my consumer credit report and it must be deleted from my report. It continues to cause criminal harm to my reputation over this alleged debt. This is a violation under 15 USC 1692d ( 1 ) and ( 3 ). I demand this account be deleted.
Product: Credit card

On XX/XX/XXXX I got a XXXX 7.49 % {$15000.00} loan from Chase Sapphire Reserve credit card which was part of the My Chase Loan program where one is able to get a loan at favorable rates by borrowing against the Sapphire Reserve credit limit. 

The disclaimers program says that the payment is bundled with the minimum payment for the credit card and one can avoid paying interest on new purchases by paying the " interest savings balance '' by the due date. They also say that the way the loan will impact the card balance is as follows : " Well add the full amount of the loan to your credit cards current balance. Your minimum payment due each billing cycle will automatically include the monthly payment amount for your loan. '' It does not say anything about adding interest to the balance. 

On the next due date following the loan initiation, XX/XX/XXXX, I paid the full " interest saving balance '' of {$6000.00} which was adjusted down from the original amount in the statement by XXXX because of refunds and statement credits which lowered the net amount due and thus the final " interest saving balance '' that was displayed on the website when I went to make my payment. Then on XX/XX/XXXX, I was charged {$94.00} in interest. 

When I called to ask about the interest, the Chase representative first tried to tell me that there is always a one-time interest rate fee for the loan - something that was never disclosed and is refuted by the " learn more '' FAQ section on Chase 's app. When I confronted them about the fact that the loan 's payment ( {$1300.00} ) already included the interest since XXXX / XXXX would have been {$1200.00}, they said that if there was any interest charged for balances it would be reversed in the next statement. 

That did not make any sense to me why Chase would keep my balance artificially higher for a full billing cycle just to reverse a charge later. 

This is misleading at best and deceiving at worst. Consumers should not be left in a " would they won't they '' state about charges on their account for a full billing cycle.
Product: Credit card

I am writing to bring to your attention a distressing incident that transpired during my recent visit to one of Bank of America branches on XX/XX/XXXX @ XXXX EST. I attempted to withdraw funds in the amount of {$1000.00} from my XXXX XXXX XXXX XXXX # XXXX from the ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately, despite completing the transaction, the machine did not dispense the requested amount of cash. So, I immediately went into the branch and advised the tellers, including the BANK OF AMERICA greeter, which informed me that the transaction is JUST PENDING and should fall off before posting, and/or settling. So, I called XXXX XXXX while I was at the branch and the representative advised me that the transaction was approved for BANK OF AMERICA. 
To compound the issue, my XXXX XXXX XXXX account was still debited for the amount of {$1000.00} plus the {$3.00} ATM FEE ; I attempted to withdraw. This situation has caused considerable inconvenience and financial strain and Bank of America is NOT WANTING TO REFUND ME MY MONEY. XXXX XXXX provided proof it posted and was approved and told me to take to that branch to get refunded, but there was no luck. I trusted in Bank of America 's commitment to providing reliable and secure services, and this incident has eroded that trust. Bank of AmericaXXXX XXXX me as if I was not holding any Integrity, when they knew their ATM was having issues. Granting, other consumers that used the ATM right after me, had issues as well. I left a review on their webpage, which has since been removed. Again, I have already contacted Bank of AmericaXXXX and XXXX a complaint, but as of today, XX/XX/XXXX, there has been no resolution or reimbursement of the deducted funds. XXXX XXXX XXXX website shows where other consumers are complaining about having the same issues with Bank of American XXXX. This should not be pushed under the rug during economic hard times. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent FIRST PROGRESS A no parking rule/Refusal to pay/Cease and Desist notice and on XXXX they continue to report to my consumer report violation of regulation F paperwork attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX when I left my wallet with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.
Product: Mortgage

This pertains to a cashout refinance loan for a primary residence with Wells Fargo. This is also related to a prior CFPB complaint ( from Q1 XXXX ) against Wells Fargo on this loan. Although some fees were waived from that complaint, I still incurred several excessive fees as a result of the issues that were arose. The loan was closed at the end of XXXX with Wells Fargo holding ~ $ XXXX in escrow as renovation work had started on the property. Wells Fargo requires the property to be in habitable form in order to close and agreed to an escrow holdback until the renovation work was completed including a final inspection to determine if the property is habitable. The final inspection occurred and was also provided to Wells Fargo last Friday, XXXX XXXX. Wells Fargo still has not provided a copy of the final inspection/appraisal report to me as is required and did not follow up on the release of the escrow until I did this week. Neither the appraisal nor the escrow has been provided to me.

Contrary to what was represented to me during numerous  conversations and correspondence throughout the loan process, Wells Fargo is now requiring that a copy of a paid in full invoice to the contractor be provided before releasing my funds. This requirement pertains only to construction loans, NOT cashout refinance loans for a primary residence. When I questioned this request ( paid in full invoice to the contracto ) prior to and at the closing table, I was told by Wells Fargo that " this is our [ Wells Fargo 's ] standard escrow form for everything, we [ Wells Fargo ] ca n't make any changes to the form, and only the habitable requirement upon satisfaction of the final inspection is needed to release the escrow funds. '' A satisfactory final inspection was completed and submitted to Wells Fargo last Friday, XXXX XXXX. Now, Wells Fargo is requiring a paid in full invoice and categorizing this loan as a construction loan. This is misleading as all of the documentation, including the loan estimate, closing disclosure, and final closing documents clearly state this loan is a cashout refinance on a primary residence. I have paid nearly eight months of interest on $ XXXX being held in escrow and now Wells Fargo is prolonging its release costing me additional interest and lost potential revenue ( as I could be holding this money in an interest bearing account, etc. ).
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries on all my credit report : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender is reporting the account is in a forbearance in the comments section and status of all three credit reporting agencies.
Product: Checking or savings account

Navy Federal has t charged me for overdraft fees several times since Ive been a member
Product: Credit reporting or other personal consumer reports

Hello! I am sending this complaint as I noticed that there were no deletion updates happened in my credit reports. I am a bit disheartened that the XXXX, Equifax, XXXX Credit Bureaus have not removed any of these inquiries even in the first place. I hope this time the Credit Bureaus will remove these inquiries from my credit reports within 15 days : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my money disappeared. Suddenly, I went to one of the bank branches. He replied to me, saying, You have a refunded check. I said, This is your problem, not mine. Why is my money now XXXX? Where is my money? He replied to me, We are reviewing your account and it will be returned after 45 days.
Product: Student loan

I enrolled in full XXXX  university in XXXX with a tuition that was an amazing cost I attended orientation that would be considered one credit I was incarecertated. Then upon after I release I started in XXXX called a cross over stage every since enrolling with the school Ive had nothi bc but problems and resulting to a crypto currency theft from my school I isuued launch box of my XXXX I were to receive a XXXX but never did so. As well the school should have filed a XXXX with the fiscal year of XXXX  but didnt and I addressed all these concerns with them as well as the theft of my XXXX and much more but they fail to work in helping me any way