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

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX. XXXX fraudulent account XXXX XXXX  XXXX. fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX. XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Product: Credit card

Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it.
Product: Money transfer, virtual currency, or money service

I received and automated phone call saying it was XXXX and someone was trying to purchase XXXX shoes on my account to call if it wasnt me. I called the lady transferred me to the fraud department it was a man from XXXX. He told me XXXX had been charged on my account but not to worry he was going to get my money back and put a big smile on my face. He had me open my online bank account and he told me to type in XXXX to credit my account. When I did it added a extra zero which he showed me I got a XXXX credit in my account. Started saying if he didnt get the money back he would be fired. At first I told him thats not my fault. He continued to call and text me begging me to please help him replace the money. He convinced me to go to XXXX and purchase four XXXX gift cards. I bought two with my debit card and then wrote a check for XXXX for two more gift cards. He told me scratch off the back and take pictures and text them to him. He kept calling me saying the cards werent going through and I need to go purchase four more cards. I refused then checked my bank account and they had cashed three XXXX gift cards out of my account and XXXX transfer to XXXX. I immediately went to XXXX to have them cancel the cards. They had already cashed them out. I called my bank to and put stop payment on the check which cost me XXXX. The check XXXX cleared the bank. Plus XXXX in XXXX cards withdrawn from my bank account and XXXX to XXXX which now I have been totally scammed out of XXXX. I called that man later that night and told him I knew what he did. Then I cried my self to sleep. I am on XXXX a fixed income he took all my money. I am so upset and have all the proof and voice mails and text message he sent me. He called me the next morning and told me he was sorry he was going to give my money back. Tried to get back in my back account. I kept hanging up on him but he wouldnt stop. Kept calling and texting until XXXX. The bank has canceled my debit card. This happened on XX/XX/2020. I called for a update tonight and XX/XX/2020. They said cant recover any of my money. I want this man caught and I want restitution because, I am broke and my spirit is broken. I pray that you can help me somehow. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX 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

My personal information was stolen while XXXXXXXX XXXX XXXX. I recently retained a copy of my credit report and noticed accounts that I have no knowledge of nor have I authorized. I see accounts listed from creditors such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have never authorized accounts with such creditors. I also see credit inquiries that I have not authorized. I have contacted the credit reporting agencies and requested these accounts be verified and there has been no formal response. These accounts are unverifiable.

I have the right to privacy and I have not given any written consent so reporting this information to my profile is in violation of 15 USC 1681B Furnishing information to my profile resulting in identity theft is also in violation of 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of identify theft, I did not authorize anyone to apply for ( XXXX/FORTIVA LINE OF CREDIT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified EXPERIAN several times that they are in violation of my consumer rights by reporting unverified and unvalidated information on my consumer report pursuant to 15 USC 1681 ( a ) ( 4 ). On XX/XX/XXXX I tried to upload my most recent affidavit to www.experian.com/upload. The website would not allow me to upload any of my documents. I also Mailed the notarized affidavit and its supporting documents via certified mail on XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 3 ) EXPERIAN " assumed '' the role of assembling and evaluating my credit as a consumer and all information included in my consumer report. With this being said, I never gave EXPERIAN consent to share any information. The role EXPERIAN assumed is voluntary and I as the consumer own my consumer report and Experian failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report.

EXPERIAN is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). By reporting XXXX and AFFIRM EXPERIAN is in violation of the laws made by Congress. EXPERIAN NEVER did a proper initial investigation defined by 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that EXPERIAN clearly didn't investigate are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXXXXXX XXXX  Account XXXX XXXX, has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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. List : Creditor Name : XXXX XXXX XXXX, Account Number : XXXX, Month/Year of Late Payment : XX/XX/year> I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Best Regards ( Insert Name ) Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Product: Bank account or service

i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is towards Equifax re-investigation I have sent Equifax my statement letting Equifax aware that I have been a victim of identity theft. And also let Equifax aware i was a victim of Equifax XXXX data Breach, must resent complaint was sent to Equifax on XX/XX/XXXX using CFPB ( claim # # XXXX I've sent all required documents that's needed to block and delete in XXXX business days according to the fair credit reporting act, section 605b.

proof of ( identity-a clear copy of my ID ) along with my statement providing specific information that is result of identity theft and a copy of my complete and submitted identity theft report with the federal trade commission XXXX from XXXX ). 

although I have provided Equifax with all the required documents that is stated above Equifax still did not follow the FCRA XXXXideline to block and delete in 4 business days instead Equifax sent me a stall letter requesting the same documents that I have already provided to them and informing that they will not block. And delete. 

ATTACH : is a copy of Equifax stall letter requesting the same document that I've already provided to Equifax. I'm demanding a proper re-investigation to be done, I have provided again to Equifax a copy of my identity along with my statement and a copy of my FTC report from the identitytheft.gov and prove of address all the required document needed.
Product: Checking or savings account

I bank with Citizens bank in XXXX XXXX Michigan. On XX/XX/2023 I noticed 9 {$100.00} transactions and 1 {$50.00} transaction. None of which were made by me. I immediately called the bank to report it and have not heard anything or even got a claim number. I called today XX/XX/2023 to see what was going on with it. They had a claim on file for me for that date for $ XXXX which makes no sense. I was only reporting {$950.00}. Anyway even though I'm dealing with identity theft I just noticed right before calling and notifying the bank. The bank is claiming it wasn't fraudulent and won't refund it. This is all part of identity theft issues I'm trying to take care of and notified the government of. It makes no sense how they are refusing to refund these transactions. Everything I claimed they know is due to identity theft. I had to file another, hopefully final claim for payments due to a loan being taken out in my name. With all this other stuff going on with identity theft I'm still finding and learning about currently. They give me no other problems with the unauthorized activity I noticed prior to or after filing this claim and had no problems. Yet the one claim that took the most money out of my account and hurt me the most they are refusing to refund and it's outrageous.
Product: Debt collection

XXXX XXXX XXXXPortfolio reported to all three credit bureaus that a debt of {$650.00} is owed. I have no knowledge of owing such debt. It failed to contact me prior to reporting such derogatory remarks to all three credit bureaus. The creditor failed to follow the Fair Credit Reporting Act. Please delete the item from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill.

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the small county court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.
Product: Mortgage

Wells Fargo / ASC wrongfully and illegally foreclosed on my home back on XXXX XX/XX/XXXX. Recently, I have read that in XX/XX/XXXX ; the CFPB has ordered Wells Fargo ( WF ) to pay several billion dollars in damages to consumers like myself. I have very solid documentation to prove all facts. I recently contacted WF with no positive results. 
Back in XXXX, I made 7 monthly payments on time under a trial loan modification. WF cancelled the loan mod and refused to accept the 8th payment. By contract, WF should have made the loan permanent after only 3 monthly trial payments. 
During the trial loan mod

, WF / ASC discovered 3 outdated and defunct liens on the property that I had not been aware of. These liens had been made legally and effectively irrelevant a few years prior due to the bankruptcy process I went through. So WF/ ASC requested I remove these liens. The local county courts do not make this a quick process, so it took several months. I stayed in communcation with WF throughout this process. These liens were never any threat to WF because WF was always
unquestionably in first lienholder position. Also, these liens were entirely outdated and ineffective. Removing these liens was only a legal formality ; though still a slow process. However, without warning or communication, the loan modification was suddenly cancelled on XXXX XX/XX/XXXX. The local courts had just finished removing all 3 liens just prior to XXXX XXXX. I immediately contacted WF and even though several WF representatives acknowledged that cancelling the loan mod was a big mistake ; they had no process in place to re-instate the prior loan mod and make the loan permanent. 
I fought this legally for more than 3 years but finally ran out of money to continue paying attorneys. Our family home was foreclosed on and I lost all the equity ( {$150000.00} ) I should have had in the home and my credit was severely damaged for many years due to the foreclosure. This all was so unnecessary and was a traumatic multi-year experience for my XXXX young children as well as myself. 
Furthermore, there was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) class action lawsuit against WF / ASC where the Judge ruled strongly against WF for exactly this kind of conduct. Corvello vs WF. The Judge stated that not converting trial loan mods to permanent loans when the homeowner had made all required trial mod monthly mortgage payments was a clear FRAUD. He stated it was no different than agreeing to sell a wrist watch for {$100.00}, collecting the {$100.00} ; and then not actually giving the watch to the buyer ......
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.