23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

In early XXXX I signed up for XXXX XXXX and opened checking/savings accounts plus a car loan. During XX/XX/XXXX I created a living revocable trust for me and my husband, and have been engaged ever since in the laborious process of converting my personal-controlled banking and credit union accounts to trust-controlled accounts. Where I must retain personal accounts ( as required per credit union membership requirements, etc. ), I have set up those accounts with my living revocable trust as the beneficiary to ensure that those assets will avoid probate. However, XXXX has informed me via email that they do not support such a configuration ( see supporting attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I XXXX XXXX entered Into a consumer XXXX XXXX XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

This is a completely unknown account to me. You deleted it for me a month ago, it disappeared from the database. And now he has appeared again. Take action and remove it. He's not mine. 

BANK OF AMERICA Date opened XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. i have notified the credit bureau and still they have not done anything to rectify my credit report.
Product: Mortgage

XXXX XXXX  did not state which phone number they called and tried to reach us with. They did not leave voicemails when they know how serious not paying taxes are. Just as they sent us a letter in the mail concerning this complaint, a letter should have been sent been sent regarding the explanation of interim taxes. We have never dealt with a company who is trying to reach us and would not leave a voicemail stating the reason for the call. The explanation they gave regarding this complaint is not sufficient and we will not be satisfied until the penalty they caused is paid in full.
Product: Credit card or prepaid card

WELLSFARGO IS ACCUSING ME OF FILING A FALSE COMPLAINT ON MY CREDIT CARD, SAYING THAT I DID THE FRAUDULENT CHARGES ON MY CARD. WELLSFARGO IS PREJUDICE AGAINST XXXX PEOPLE, UNLESS YOU ARE PRIILEDGED. I HAVE BEEN DISRESPECTED AGAINST BY WELLSFARGO, LIE TO BY WELLSFARGO, ALL BECAUSE I AM A XXXX PERSON. WELLSFARGO IS THE BANK THAT SHOULD BE INVESTIGATED FOR THEIR TREATMENT AGAINST PEOPLE OF XXXX. I KNOW MY CIVIL RIGHTS. THE RIGHT TO A FAIR TRIAL. WELLSFARGO HAS NOT SHOWN ME ANY FAIRNESS. HOW CAN YOU DECIDE FAIRNESS, WITHOUT PROPER INVESTIGATION.
Product: Mortgage

Direct Mortgage was the Very First Company that I Reached out to in Early XXXX when my Credit Score was Above XXXX. My Lowest of the 3 Scores was approximately XXXX. I applied to 1 Other Mortgage company within a Month to compare notes and rates. I am an XXXXXXXX XXXX  Veteran who's Never taken out a Mortgage and was looking to purchase my first home under the V.A program. Direct Mortgage gave me a Qualification letter for XXXX but the V.A never provided my Certificate of eligibility which I am Still trying to acquire. The House that initially led to my inquiry only accepted Conventional loans, so after almost 2 months of not finding anything inexpensive enough and to my liking, I decided to forgo my V.A Loan and asked Direct Mortgage if they could Pre-approve me for a Conventional loan in the amount of XXXX ( Half the amount of my Pre-qualification ) They denied my request because they said my Credit Score was not high enough. The Lowest or even Average of my 3 Scores were Still Above the XXXX minimum even by at least XXXX points. XXXX XXXX whom I spoke with could not give me any other reason for my denial, other than that my score did not meet their requirements. I find it astonishing that a company who was quick to prequalify me for XXXX would Deny my for Half the same amount even though my Score was Above the Required Minimum. In Summary, this whole ordeal has not only left me with a lower credit score, but I am all too familiar with the Unspoken tactics of Discrimination. As an XXXXXXXX XXXX Veteran who's Served my Country, not only did I risk my Life for the Freedoms many take for Granted, but I am also a Tax payer who's dollars went to Bail out these Same institutions who Discriminate against the Very same Americans who has invested So much into this country. I not only find it distasteful and disheartening, but Outrageous and Disgraceful at How their Conversation and communications changed after I sought Pre approval for a Conventional Loan. Institutions like this who are Not willing to Loan even Safe amounts to Citizens who are capable of paying should not be allowed to do business. a Home is an Amercan 's 1st and Biggest investment, and to be Denied, despite being able to pay financially and with a passable credit score has reawakened why I haven't sought home ownership in years past. It's because I've seen and experienced this SAME KIND of Discrimination. Almost ALWAYS Hidden and Discreet. Polite speech with even apologetic words, but always with the same results, because there is No accountability for their Actions.
Product: Credit reporting

The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.
Product: Debt collection

Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. The account is XXXX XXXX  # XXXX. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Greetings, I have submitted a complaint a couple months ago in regards to a scam/fraud that I was involved with in XX/XX/2019. The Executive Response Unit from CITIBANK was assigned to me to work on this investigation with " XXXX XXXX. '' I have tried to get in contact with her to follow-up on this investigations with no response or updates.
Product: Mortgage

My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have authorized inquiries on my Equifax Report, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX for a XXXX XXXX Mastercard. The letter of denial is 100 % lies or incorrect information. They say Experian is saying all that ; however, XXXX and Experian don't have a direct person that can help me. I also have a XXXX XXXX Visa. I have 100 % payments on time record. My score with XXXX is XXXX! 
XXXX is falsely saying : 1. I have filed a bankruptcy, I NEVER HAD! 
2. XXXX says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards. 
3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. XXXX says the information is based on Experian XXXX XXXX XXXX, XXXX, TX XXXX-XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, CEO XXXX XXXX. And when I requested a report, Experian told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but Experian never sent the email I gave them XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports showing open accounts that was closed in XXXX. Still reporting as new account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I found out from the XXXX premier XXXX told me to sign up for Credit Karma. So  I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX
Product: Credit card

We pulled a credit report because we just did a home loan. 
on the report was a card in our name that is not ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a dispute with Equifax about reported information on XXXX XXXX, XXXX and still have not received resolution. Attempts to contact the company go unresponded to. Sent letter, called phone number on website, Constant busy signal.
Product: Credit reporting, credit repair services, or other personal consumer reports

to the three credit bureaus, XXXX, TransUnion, and XXXX you can find the tracking numbers listed on the documents I submitted. However, it's been more than 30 days and the credit bureaus have failed to provide me my investigation back. This is not making any sense to me, and this is hindering me for improper use of my credit scores in report. 

According to the law 15 U.S. Code 1681i- Procedure In case of disputed accuracy. If the completeness or accuracy of any item or information contained in a consumers file at a consumer reporting agency, is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Account disputed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I attended XXXX XXXX college between the years XXXX-XXXX. I did graduate with a XXXX XXXX degree and a minor in XXXX. I was given the most expensive loans before given the federal loans. I owe Navient $ XXXX in private student loans! I should have never been approved for this amount. I find myself extremly XXXX ALL the time! I ca n't live with this dept anymore. Two years ago, on or around XXXX or XXXX, I recieved a phone call from a Navient representative telling me that they would send my mother, who is a co-signer, in jail if I did n't pay up. At the time I had not maid any payments because I was still in school. I was attending XXXX XXXX XXXX full time. After almost tow hours arguing on the phone, they placed me on a plan to only pay {$480.00} a month, this ONLY covers the interest! No payments have gone to the principal. They also warned me that if I miss a payment, I would for sure go to jail. They said that if I chose to go to court I would have to pay for Navients lawyers and their time! Is there ANYone who can help me with this? I am going out of my mind!
Product: Credit card or prepaid card

USAA STEAL MERCHANTS CREDITS. I reported {$470.00} FRAUD XX/XX/2018 AND NEVER RECIEVED USAA FRAUD CREDITS. USAA CONFIRMS NO FRAUD ON THIS ACCOUNT. See attatched No Fraudulent Activity Found After Review of Your Claim XX/XX/XXXX, XXXX see attatched Statement XX/XX/18 my payment {$77.00} & {$28.00} {$47.00} {$34.00} {$21.00} {$75.00} {$170.00} MERCHANTS CREDITS POSTED. Kindly Note ( * TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00}. * ) Kindly Note ALL usaa SECURITY ADJUSTMENT ( OF ) 's usaa Reversals of Merchants Credits. Kindly Note statement New Purchases  {$680.00} usaa REVERSED ALL MERCHANTS CREDITS POSTING THEM AS NEW PURCHASES. USAA PROVIDES NO PERMANET FRAUD CREDITS REVERSES MERCHANTS CREDITS LEAVING ME WITH FRAUD THAT THE METCHANTS PAID.
Product: Credit reporting or other personal consumer reports

According to the f.c.r.a legally these unauthorized & unverified items must be removed. They are causing hardships in my life.
Product: Credit card

I am writing in reference to Chase bank. They called me a few years ago back in XX/XX/XXXX, stating I owe them for a credit card that was not in collections. I informed them I never had a credit card with them or any credit cards that I have not paid. I requested a copy of the contract and the bill of transaction, additionally I requested an investigation of fraud be opened. I hired a company last year to help me restore my credit. We have sent several letters for the past year requesting they remove this from my file because its not my account. XX/XX/XXXX, I spoke to XXXX XXXX from the investigation department stating that they are claiming this debt " valid ''. I requested again a copy of the contract and the bill of the purchases. I was driving and informed XXXX XXXX to please send me her contact information. XXXX XXXX stated she would enclose this with a copy of the contract. Saturday, XX/XX/XXXX, I received XXXX letter in a chase envelope, it was a copy of the contract, but no letter from Chase with XXXX contact information. This application appears to be fraudulent, several things are incorrect such as, spelling of my name, my date of birth, no property zip code, incorrect annual household income which states " XXXX '', no length of employment, incorrect mother 's maiden name, no email address, incorrect employer information, and printed incorrect name for a signature. We have tried to get them to remove this information for years. This negative rating has affected me by increased insurance premiums, higher credit card interest rates, denial of opportunities, credit, loans, and programs. I am requesting they immediately correct this information and also restitution be paid for this experience for the past several years. Thanks XXXX