23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by XXXX, XXXX, and Equifax this Medical Collections account should not be on my consumer report until 6 months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until one year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until 6 months after alleged delinquency by XXXX, XXXX, and Equifax.
Product: Student loan

They put my student loan account into something called administrative forbearance without any consent from me and have since then been accruing strange amounts of interest that I did not know about to the degree of thousands of dollars at this point.
Product: Credit card

Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

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

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During early covid period, Amex ( American Express offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to Amex and they acknowledged the mistake and promised to fix and offered a 100 pounds credit and remove over 500 pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately -Clarity services a part of Experian XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Tx XXXX on behalf of cash advance now ; XXXX XXXX XXXX XXXXXXXX, XXXX MT XXXX date- XX/XX/2022. 

- Clarity services a part of Experian.. On behalf of XXXX XXXX XXXX . date XX/XX/XXXX  -Clarity services a part of Experian. On behalf of XXXX XXXX. date XX/XX/2022 -Clarity services a part of Experian. On behalf of XXXX. date XX/XX/2022 -Clarity services a part of Experian. on behalf of XXXX XXXX.. date XX/XX/XXXX  -Clarity services a part of Experian.. On behalf of XXXX XXXX.. date XX/XX/XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy
Product: Mortgage

In XXXX XXXX, I applied for the HARP loan program through Bank of America. The purpose was to reduce my monthly mortgage payment of {$680.00} to under {$500.00} due to financial hardship. ( XXXX XXXX XXXX, I applied for Chapter XXXX Bankruptcy and was discharged ). After my HARP loan was approved, my payments, as expected, totaled {$470.00}. In XXXX XXXX, I received a letter for Bank of America informing me that my payment had increased to {$620.00}. This was a total surprise and not in the spirit of the HARP loan program for which I understood to getting a reduction in my monthly principal payments. The refinancing of my original home loan balance, before HARP was {$68000.00}, after refinancing the loan balance with HARP I am now paying more for the house than I had before with a total of {$72000.00}. This all happened in less than one ( 1 ) year. As it stands, I did not benefit from the HARP loan or its counseling. This transaction has placed me in a greater financial hardship and responsibility than before. I would like this loan to be re-visited, as this was not my intended purposes of refinancing with HARP. 
The HARP loan has put me in more debt than I expected. My loan is now right back to where it was, at 30 years with a higher rate and balance.
Product: Checking or savings account

I am a mother of XXXX and I was recently XXXX. I was unable to add money to my account for three months, and Bank of America kept charging me a {$4.00} maintenance fee even though I called them in XXXX and asked for my account to be closed or frozen due to financial hardship. The banking specialists said I was unable to do this and so I Updated my pin and got a new bank card as soon as I started working to deposit my funds into this existing account. I was charged a maintenance fee of {$4.00} for three months. My account went negative into {$14.00}. I just started working as an XXXX XXXX and deposited my check that I waited 3 weeks for, my family really needs this money and I figured I would use the account with Bank of America and fix that negative balance caused by theyre unwillingness to help me when I was facing hardship. After my check was deposited and I confirmed the deposit amount through theyre ATM, I was told I had to wait an additional twelve days to use {$940.00} of my check. Only able to use {$200.00} and I only get paid biweekly. As a mom of XXXX I begged them to please release it on XX/XX/19 inside the bank itself and was told it was unfortunate and that it was unfixable. I receive no form of assistance at all because I do not qualify and this really hurt my family, my husband has gone through his savings trying to keep our heads above water and we still have bills to pay. I understand if I was being negligent and withdrew money I didnt have but it was the bank itself withdrawing money after I told them I was facing hardship due to unemployment.
Product: Credit reporting

Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example two XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.
Product: Credit card or prepaid card

On XX/XX/21 I paid XXXX for my grandmother 's funeral. At that time, I was told by Mr. XXXX, the funeral director, I would be reimbursed for the funeral expense 's once the policy paid out. XXXX XXXX XXXX XXXX received a second payment from the XXXX XXXX company and then gave my money ... my refund to other parties instead of refunding to the original form of payment ... my Capital One credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue as I see it with all reporting agencies is as follows. 
Once XXXX in a bankruptcy XXXX XXXX why are banks and institutions still allowed to keep old late payments and derogatory credit information on my report for 7 years. Ive already faced the ultimate price and embarrassment of not being able to fulfill my financial obligations and losing everything. As Im sure so many others have faced.

The complaint is if we have on our reports a Public Record of bankruptcy for all to see for 10yrs which also gives us a chance to start again, by clearing a path to make that start. Also legally having no further obligation to the institutions. Why do reporting agencies or the Govt agencies allow the reporting agencies in conjunction with the institutions still show what has been XXXX. 
New credit establishments can see the bankruptcy big and bold so they will either work or not with us which is at there discretion and fully understandable. 
So why allow the so-called XXXX past of late payment or settled reporting be there after bankruptcy hurting us while Re-establishing doesnt the bankruptcy say it all? 
I realize this is a long statement but need a to be addressed for all not just myself. 

Thank you for your help and time in advance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$37000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX CARD Date Opened XX/XX/XXXX Balance {$8700.00} XXXX XXXX XXXX. 
Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **inquires** XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Checking or savings account

XXXX has funeral trusts with Wells Fargo XXXX We served a family with a funeral trust, but Wells Fargo will not release the funds from the funeral trust. The decent died over a month ago. Ive provided the death certificate, proof of funeral home ownership and I am already a business customer with Wells Fargo.
Product: Debt collection

On XX/XX/2020 I received a letter from Portfolio Recovery Associates, XXXX. This is the only communication I've gotten from them claiming I owe a debt of over 3,000 dollars. I'm not even aware of what the debt is for or who the company it comes from. It was even addressed to my maiden name and I have been married with a different last name for almost 8 years. They threatened to sue me, garnish my wages, and through doing this I may lose my job fromthem dealing with my employer. I haven't contacted them because I'm scared to death by this threatening letter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Checking or savings account

My card was shut down on Saturday, XX/XX/XXXX due to a fraud alert. I did not get a text alert. I only got an email alerts and I attempted to send my wife money for gas at XXXX XXXX that night and it would not allow me to do so. I called the bank waited on hold for 15 minutes. I reached XXXX on the line who repeated his name and that he was on a recorded line 4 times which is probably why they have 15 minute hold times. My wife was also on the line since she was stranded at the gas station. We were told XXXX was unable to clear the fraud block because their system was updating. we expressed our frustration due to my wife, being stranded in the middle of the night with our children. XXXX was too sensitive to handle the complaints and instead disconnected the call stating he did not want to deal with the negative interaction. My two complaints are that if their system is updating, they need to have a workaround to remove a block they placed on my account and secondly, if I share a complaint, it should be logged and I should not be hung up on. This needs to be escalated to Wells Fargo management. If this is how theyre going to do business, I will terminate my business with them.
Product: Mortgage

I recently inherited a home from my mother who passed away in XX/XX/year>. This home had an active loan which is currently being serviced by Rocket Mortgage. Following my mother 's passing, I reached out to Rocket to start the loan assumption process as successor in interest, and provided the necessary paperwork to do so. My wish is to assume the loan and to be able to view the loan information online on Rocket 's website, as the law affords successors in interest the right to do so.

Despite providing the requisite documents to be confirmed as successor in interest, and being confirmed as such by Rocket, Rocket refuses to allow me to assume the loan, nor to allow me to add the loan information to my Rocket account, stating that the loan " does not meet their guidelines '' without further information or clarification. Please refer to the e-mail thread in the attachment. Thus, I am left in the dark about the loan and to my understanding, am not afforded the full rights both as a borrower and successor in interest.
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 
Bankruptcy XXXX XXXXXXXXdismissed Filed on XX/XX/2017 Reference number : XXXX US BKPT CT CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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