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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2013 Reference number : 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX has violated my rights. 

I looked at my XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 supposed 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.
Product: Debt collection

I 've recently contacted TransUnionXXXX XXXX and XXXX explaining that I 'm trying to clear up my credit to purchase a home. I was told I could n't get any of my closed accounts, collections and hard inquiries removed and disputed. But I was informed you could. I asked the following accounts to be removed immediately ... 1. XXXX XXXX XXXX XXXX XXXX {$70.00} 2. XXXX XXXX XXXX XXXX XXXX {$1700.00} 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$610.00} 4. XXXX XXXX XXXX XXXX XXXX {$1700.00} 5. XXXX XXXX XXXX XXXX {$41.00} 6. XXXX XXXX XXXX XXXX {$0.00} 7. XXXX XXXX XXXX XXXX {$0.00} 8. XXXX XXXX XXXX XXXX {$0.00} 9. XXXX XXXX XXXX XXXX {$0.00} 10.  XXXX XXXX XXXX XXXX, XXXX {$0.00} 11.XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} 12. XXXX XXXX XXXX XXXX {$0.00} 13XXXX XXXXXXXX XXXX XXXX {$0.00} 14.  XXXX XXXX XXXX XXXX XXXX {$0.00} 15. XXXX XXXX XXXX XXXX
Product: Debt collection

I have the following on my credit report comenitycapitalbank XXXX the date they have that was open was XX/XX/2015 the balance was paid in full and need to be removed from my credit report
Product: Credit reporting

My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX there is a credit card reporting derogatory info that has my family homeless this is really effecting my livelihood please They open XX/XX/2014 it is a close charge off account that was open without my knowledge i have 75 late payments as a result of experian Not removing this negative fraudulent information I called them directly XXXX XXXX XXXX XXXX they stated I owe them {$700.00} over top of the limit {$400.00} I stated to them I never opened up a account I found a police report I thought the incident report I filed a identity theft report this is hurting me and my family housing situation
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an ek open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2004 I file bankruptcy and these old accounts reappearing. With new dates, I dispute with credit Bureaus but do not remove
Product: Money transfer, virtual currency, or money service

Aside from the multiple and concerning lawsuits Abra currently has pending, I have found that Abra continues to ignore and provide unprofessional responses in regards to my account. Per my latest communication with Abra, remaining unanswered as usual as of XX/XX/XXXX, Abra continues to ignore my clear concern regarding fully withdrawing funds from my account and continues to discuss a network fee, of which I have no issues over. I am pasting, again, my last response to Abra, who has continued to ignore and not fully or correctly address concerns regarding allowing me to withdraw my funds. I have warned them multiple times over the course of nearly 8 months to resolve this, and they have been largely unresponsive or have had their team copy and paste unrelated responses. Abra, please fully and correctly address my concern. Nothing about my concern is in regards to network fees. My balance fully covers your network fees, that's why there is a balance leftover that is to be returned to me when I am making a withdrawal. If that is not the case, please breakdown the network fees in regards to my current balance : " Again, allow me to withdraw crypto and lift the minimum fee. This is what Im referring to as liquidate. This has nothing to do with network fees, Im aware theyre included. ''
Product: Credit reporting or other personal consumer reports

Bank of America is not reporting correct information on all three credit reports. I paid off a person loan XX/XX/year>2024 and my XXXX XXXX credit report is showing a balance. Please update all three credit reports with correct information showing the loan and paid off and closed.
Product: Mortgage

On XXXX XXXX, I spoke with someone from ShellPoint Mortgage and informed them that I was still impacted Covid -19 but I was working on borrowing money to make a offer to settle the account that I have had for 13 years and already paid {$150000.00} on.this loan and I still owe what I originated. 

A young lady was suppose to had called me back on Thursday to find some options if I was able to borrow loan to pay a reduce payment. 

Instead she never called and said their was no more help under the Covid 19 concerns.
Product: Credit reporting or other personal consumer reports

I am transgender. In XXXX  I changed my name to first name : XXXX XXXX, middle name : XXXX, last name : XXXX. I have been fighting with Experian since that time to update their credit reporting to reflect my proper name, and they refuse to do so. They have changed my name on my online Experian account, but refuse to change my name on my credit report. This has led to my credit score completely disappearing, and my credit report reflecting no accounts. Despite the fact that I have a mortgage, a credit card, student loans, and a bunch of positive credit history under my proper legal name. 

I have reached out to Experian via phone, mailed dispute, and through their online dispute tool. None of these have resulted in my name being updated. At this point it appears they are deliberately disregarding the court 's order to update my name, and they are deliberately damaging my credit by refusing to properly report my accounts.
Product: Vehicle loan or lease

I am writing to complaint against an unfair practice and significantly high lease-end wear-and-tear charge on the lease return especially when I wasn't provided an opportunity to get pre-inspection performed. Usually all customers get a pre-inspection prior to lease return, but citing closures due to Covid, I wasn't given this opportunity, and later received an invoice for the issues I could have fixed if pre-inspection was performed. I returned the leased vehicle on XX/XX/2020. Prior to returning the vehicle I called Toyota Financial Services ( TFS ) twice and asked for the pre-inspection options since the provider " AutoVIN '' wasn't taking any requests citing Covid pandemic. On both occasions, I didn't get any assistance by TFS nor by the dealership, I was just affirmed that I'll be fine and be taken care-off after the vehicle is returned. I even asked about things I should fix prior to returning, but I was not provided a comprehensive guide/list that I should fix, rather I was left on my own to figure it out. I even visited the dealership but to no avail. Later, I received an invoice with a charge, to replace the windshield, of about {$400.00} when I could have got it replaced myself, if I was made aware, for less than half of that cost. I tried to talk with a representative and they only reduced this charge to {$300.00}, but this is not helpful since an average quote to fix a windshield from the marketplace is still less than half of this charge. The representative kept blaming me to not have the windshield replaced prior to returning and didn't acknowledge the fact that Toyota failed to perform pre-inspection and tell me what they expected to have fixed or replaced. I have even filed a complaint with FTC, report number XXXX, and also tried to contact Toyota on XXXX but didn't get a resolution. I'll appreciate any assistance I can get from CFBP.
Product: Credit reporting or other personal consumer reports

Every view months I view my credit report and I have items that pop up on your credit report that is inaccurate or doesn't belong to you. How can we prevent this from happening??? I have items once again on my credit report that are inaccurate and dies not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments
Product: Debt collection

On XX/XX/2013 XXXX XXXX XXXX as assignee of Capital One Bank ( USA ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX XXXX Michigan ) .They misrepresented contact information to the State of Michigan XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in Michigan and ( 2 ) My last known address was ( XXXX, Ohio ). 

XXXX XXXX XXXX as Assignee of Capital One Bank ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the Capital One collection is a 20 year old collection account ) .The mere fact that the debt with Capital One Bank ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception  and by fraudulent means. All monies XXXX XXXX is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places XXXX XXXX and Capital One Bank violation of the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

On XX/XX/XXXX I made on online {$31.00} payment to Wells Fargo Credit Card. On XX/XX/XXXX I noticed that the pending payment shown on my Wells Fargo Credit Card was {$3000.00}. I checked my bank account where the payment was taken from and I saw that my balance was a negative amount. Wells Fargo had taken a non-authorized payment of {$3000.00}. I immediately called Wells Fargo Credit Card and they informed me that there was nothing they could do until after mid-night on XX/XX/XXXX. 

I called back on XX/XX/XXXX am time, and I was informed by the Credit Card Department that the reversal on my account would take 2 business days. 

I called am on XX/XX/XXXX to follow up and was informed that it would take 11 business days for the bank to return my funds to my bank account. I informed the person I spoke with that this was not acceptable and demanded to speak with a manager. 

I was then transferred to Wells Fargo Compliance Department who informed me that all she could do was file a complaint against the misinformation. I demanded that this matter be escalated and I was then informed that an executive from Wells Fargo would call me. I have not heard back.
Product: Credit card

Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in and spoke with customer service on XX/XX/2019 to explain that I have indeed been a victim of their inquiry issue. The agent asked for me to list the inquiries, in which i did. They told me they would not be able to assist further.
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this evening, and I'm baffled as to why. I routinely check my credit report, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. Given this problem, I'm requesting that the documents I've submitted be thoroughly reviewed so I can put this worry behind me for good.
Product: Mortgage

We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained XXXX penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in XX/XX/XXXX. 

At the time we were in negotiations to settle our second mortgage with Wells Fargo ( XX/XX/XXXX to XX/XX/XXXX ) our home was worth about 60 % of what we paid for it in XX/XX/XXXX. We were current with our first mortgage, but because we were n't current with our second mortgage payments we were finally offered a full settlement of the second mortgage through the AG Settlement. This got us out from being underwater. However because we now had Lates and a Charge-Off on our credit report ( s ), by law ( according to every underwriter we have tried to qualify with ) we are now not eligible for refinancing, or any other kind of loan, for at least another four years after the second mortgage lien release was recorded with the county recorder 's office. 

It is apparently a similar penalty to a bankruptcy. It should not apply in our case because we qualified for the AG Settlement. Also our income is more than what is required to refinance, or take on other loans of similar principle and we have had no other problems other than this second loan extinguishment negatively effecting our credit report ( s ). What if anything is being done to correct the problem with this law?
Product: Credit reporting or other personal consumer reports

This company is reporting fradulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account also other documents so that I may review to see if these accounts actually belongs to me
Product: Checking or savings account

On XX/XX/year>, {$21000.00} was stolen electronically from my Wells Fargo Bank checking account to an account with XXXX XXXX XXXX. I did not receive any notification from Wells Fargo that an amount that large was being wired out of my account. I did, however, receive a notice that my account balance had fallen below {$1000.00}. I immediately contacted Wells Fargo Bank by telephone to inform them of the theft. They filed a Claim and said they would investigate the unauthorized transaction. The Claim # is XXXX and the Reference # / Confirmation # is XXXX. 

I repeatedly asked the Wells Fargo representative on the phone why I was not contacted by text or phone to approve such a large transaction. Most of the wire transactions I had initiated in the past had been below {$5000.00}. The Wells Fargo representative said the bank 's own security protocols did not think a wire transaction of {$21000.00} was out of the ordinary. This is Wells Fargo 's own security protocol, not mine. 

It is not apparent that Wells Fargo contacted XXXX XXXX within a sufficient time frame to cancel the transaction. During their investigation, at no time was I provided with an update or a time line of the steps taken to recover my stolen funds. 

On XX/XX/year>, I received a letter from Wells Fargo Bank that they would not be able to recover the stolen {$21000.00}, and that the criminal transaction " complied with the governing Security Procedure '' that Wells Fargo Bank had established. 

I believe Wells Fargo Bank 's governing Security Procedure and lack of expeditiousness in contacting XXXX XXXX are the reasons my funds were stolen from my checking account, and I would like the assistance of the XXXX XXXX XXXX XXXX in returning the {$21000.00} to my possession.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX XXXX.