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

I tried opening an account at Wells Fargo for a checkings/savings account for work. I had this bank before and it wasn't such a problem but was closed and tried making a new account last week and they said That they were unable to open an account with them and that in a week or two I'll be receiving a letter from them which is your agency and I'm a bit confused on what to really to look for to fix this so this is my best soluting thank you I'll be looking forward to hearing from you ASAP.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Debt collection

NAME : XXXX XXXX Address : XXXX  XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX, Arizona - XXXX Email Address : 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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Vehicle loan or lease

My vehicle loan was originally through Suntrust and was transferred over to Truist. All of my account information is only accessible online. When I made my last {$620.00} payment to Suntrust, my principal balance was {$28000.00}. Unfortunately, since the company switched over, I can no longer see my prior balance or ANY billing information. I made my first payment to Truist on XX/XX/22 for {$620.00} and when I log in to Truist it shows ( AFTER the {$620.00} payment ) that my balance is now {$28000.00}. This would mean that only XXXX cents of my payment was applied to principal. When I log into Truist, there is NO prior balance information or anything reflecting how my payment was applied. There is also hardly any information to contact them except for a phone number. I immediately called them and after waiting on hold for an hour and a half, was told a manager would call be back within 48 hours. I called on Monday XX/XX/22 and still have yet to receive a call back ( now XX/XX//22 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked   XXXX   to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  Lexis Nexis. I contacted Lexis Nexis   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to  XXXX  and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  Lexis Nexis and the letter from  XXXX . How can   XXXX    say they verified the info and I have proof that the public record is not in Lexis Nexis  database.
Product: Credit card

These accounts were opened without my knowledge. I am a victim of identity theft. Also I had to answer the question " What is the billing address for this credit card? '' this card was opened without my knowledge. I have no idea what the billing address is for the credit card.
Product: Mortgage

I came off of forbearance in XXXX of XXXX due to my industry being shut down due to XXXX. I had began the process of submitting an application for a loan modification to Loancare LLC. I was also assigned a single point of contact that did not actually exist. Every time I called I spoke to someone different, and was given different, incorrect or insufficient information every time. After 9 months of going back and forth, Loancare finally accepted my application and has considered it complete. They sent me my trial payment period plan offer. I have until XX/XX/XXXX to accept their offer. This is also when my first payment of the trial offer is due. At the same time they sent me the offer, I got approved for a grant for mortgage assistance for almost the exact amount I am behind on. When the company reached out to Loancare to retrieve my file- Loancare told them that they can not accept my assistance because I am already entered into a modification. I have not agreed to or signed anything or made my first XXXX payment! They have dragged out my loan modification application process for an extra 9 months, without allowing me to make payments, putting me further delinquent. I took extra steps to get approved for mortgage assistance and they will not accept it. They told me numerous times to send in the same documents over and over again while submitting my application. Many times I had to start all over again, due to them stating it was incomplete, even though I had proof of the email with the documentation. They would mark my application as incomplete without notifying me if other documents needed. They are purposefully making it difficult for customers coming off forbearance. They are trying to set people up for failure and take peoples homes since the equity in all homes is sky rocketing right now. I am sick to my stomach from their tactics. I am so worried that by the time I can get someone to help me, my opportunity to have receive the assistance will be gone, since it is a first come first serve basis, and Loancare will get what they want, and force me into agreeing to the modification.
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX 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 an 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 or 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 am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

Upon checking my credit report, I notice an account from Comenity BankXXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank/XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company
Product: Checking or savings account

On XX/XX/XXXX I submitted a request for a transfer in the amount of {$1000.00} from a Capital One checking account to an external savings account with XXXX XXXX. On XX/XX/XXXX the amount was credited from my account and my balance was {$500.00} following the transaction. On XX/XX/XXXX I received an email from Capital One that the transfer was not successful. I did not receive a debit into my XXXX XXXX  account for the {$1000.00}, and the temporary debit that I received from XXXX pending the transfer was reversed. Upon calling Capital One for the first time, the agent assured me that the ACH transfer was successful and it would take up to 5 business days to post ; Friday  was a federal holiday and so it would be deposited by Tuesday  XX/XX/XXXX. He also stated that the transfer failed because I had insufficient funds for the transfer ; however, this being a pre-authorized debit, the money was already withdrawn. On Thursday XX/XX/XXXX I called Capital One to submit a dispute complaint for the amount. On Monday XX/XX/XXXX I called Capital One a third time to request an update and was transferred to a supervisor in the Dispute department who verbally promised that the review was completed and the amount would post to my checking account by Friday XX/XX/24 by the latest. On Friday XX/XX/24 I called Capital One a fourth time and was told the case is still under review because Capital One attempted to contact XXXX XXXX  and did not receive a response. As of the time of writing this complaint, I have been out of {$1000.00} for XXXX calendar days and deprived of the commensurate amount of interest I would have earned from the savings account, currently at 4.92 % APR, due to Capital One 's mistake in handling my funds and inability to return them in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Every day calling in the afternoon about medical bill. I pay monthly payments to all medical facilities I owe to.
Product: Mortgage

When using the web site to make payment, loancare llc will put a added cost to your payment if not done in the first four days, This fee starts at XXXX $ AND GOES UP. My mortgage is not late until the XXXX of the month, and this company is charging late fees after four days. This goes against contract and to me is against the bound agreement of the contract.
Product: Credit card

THE REPRESENTATIVES WERE TOLD THAT THEY DID NOT HAVE OR PROVIDE THAT INFORMATION. I ASKED THAT I HAVE FULL DISCLOSRE PURSUENT TO THE LENDING LAWS AND THEY REFUSED TO ACKNOWLEDGE THAT THERE ARE ANY LENDING LAWS. 

I ADVISED THAT THEY HAVE TO DISCLOSE CHANGES IN PAYMENTS AND RELEVENT INFORMATION TO LOAN PAYMENT AND HOW THIS WOULD AFFECT MY CREDIT RATING AND THEY REFUSED. 

SO, BECAUSE I NEEDED THE REDUCTION, I PRESSED ACCEPT AND IMMEDIATELY WAS MADE AWARE THAT MY FIRST PAYMENT WAS DUE TOMORROW, THE XXXX. NO DISCLOSURE THAT THAT WAS GOING TO BE THE TERM. NO TERM I CALLED BACK AND ADVISED THEM TO CANCEL THE PAYMENT PLAN AND THE AUTOMATIC DEBIT THAT WAS OCCURRING THE NEXT DAY, SHE PUT ME ON HOLD AND SAID SHE WOULD CANCEL. i AM STILL WAITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my filing of CFPB Complaint XXXX it was not asking Experian to validate the debt with the furnisher but in fact it was challenge for Experian to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations for Credit Reporting Agencies who use Metro 2 and Metro 4 formatting based on CDIA compliance and regulatory guidelines. 

Experian did not provide any of the items requested in the CHALLENGE and proves the reporting of the account below does not meet Federal and State Reporting Standards. The account that is being challenged is ; Account Name : XXXX XXXX XXXX  Account Number : XXXX As a Credit Reporting Agency ( CRA ) as stated by CDIA you are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

The Fair Credit Reporting Act 15. U.S.C. $ 1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file.

If this account is found to be in direct violation of CDIA guidelines that Credit Reporting Agencies are governed to following being compliance, law and data security regulations based on Federal And State Laws and Reporting standard, please govern yourself accordingly and remove the account listed below promptly from my credit file. 

PLEASE PROVIDE PHYSICAL PROOF OF ACCOUNT VERIFICATION Please provide me with an updated credit report VIA MAIL within 30 Days of receiving this challenge request. 

In addition, please provide me proof that you contacted the ORIGINAL CREDITOR OF THIS ACCOUNT within 5 business days of receiving this challenged account request where you advised them to verify it.
Product: Checking or savings account

Over the last 3 months Ally Bank has repeatedly issued me debit cards that had fraudulent transactions against them before activation, or with minimal use and no disclosure of the card. I've spent about 3 hours total with them on the phone attempting to resolve these issues, the resolution being getting a new card issued, which then gets fraudulent charges on it before I have used, and this latest time, even received it. Why would I dare activate it on arrival if this problem is going to continue? I am currently out about {$160.00} while I wait for them to dismiss one of the charges that somehow triggered their fraud prevention but was approved anyway. I discussed that amount with an agent, who was very friendly, but didn't seem empowered to do anything to reverse it that I couldn't do on the website - she tried and it " didn't work '' - and I'm still waiting for my money back after having done it myself. 

Additionally, Ally 's fraud prevention department 's calling system calls from a number that is not shown on the card, which if called, asks for personal information without any proof that the caller is not the fraudulent party in the first place. People say to only call the number on the back of the card- why would a bank call from such a number? I explained this to an agent as well, but I think perhaps this is more of a concern for consumer protection folks than one of their agents. This is completely unacceptable practice in this day and age.
Product: Debt collection

U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.