23daVinci/CFPB_Complaints huggingface dataset:
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  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.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  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : Untitled Account NumberXXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I received an email that my Bank of America credit card has been approved. I did not apply for this or any other card. I currently have another fraud investigation open with XXXX XXXX. I have tried to contact Bank of America but their entire system is automated and I dont have an account number to give them. I cant speak to a live human being. The card was opened under my maiden name XXXX XXXX.
Product: Debt collection

This company Crown Asset MGMT LLC has continued to harass me for over eight years. They have a lein on my home and with XXXX for {$4000.00}. I do n't owe this debt and they need to remove the lein on my property immediately as I am about to sell it. I will settle with them at a small price, too. Please help I need this resolved as soon as you get it.
Product: Payday loan, title loan, or personal loan

See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them off.
Product: Mortgage

XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Complaint Against Wells Fargo XXXX XXXX XXXX XXXX XXXX, IA XXXX and XXXX XXXX XXXX XXXX Plaintiff attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX for Violation of RPAPL Section 1304 in Foreclosure Case ( Index No. XXXX ) Dear CFPB, I am writing to file a formal complaint against Wells Fargo and XXXX & XXXX XXXX XXXX related to the foreclosure action against me, XXXX XXXX XXXX under case index number XXXX. This complaint specifically addresses the plaintiffs failure to comply with RPAPL Section 1304, which mandates a 90-day notice before commencing foreclosure proceedings. 

RPAPL Section 1304 requires lenders to provide borrowers with a 90-day notice as a prerequisite to foreclosure. In my case, Wells Fargo and their attorneys has neither mailed the required notice nor provided proof of such mailing to the court. This omission constitutes a significant procedural violation and undermines the legal validity of the foreclosure process. 

As a result of this failure, the foreclosure auction scheduled for XX/XX/, should be deemed unlawful and therefore canceled. I request that the CFPB investigate this matter thoroughly and ensure that Wells Fargo and their attorneys is held accountable for their non-compliance with the statutory requirements. 

Thank you for your attention to this critical issue. I look forward to your prompt response and intervention. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account in transactions.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw inquiries reporting that I do not recognize nor authorized.
Product: Credit card

My UBS credit card was closed unannounced on XX/XX/year> while I was on vacation in XXXX. I tried to use my UBS card and it was declined. I thought there might be suspected fraud so I called UBS card services. The UBS Card Rep informed me that the XXXX RI branch of UBS Financial Services had directed the closure of the card. The UBS card rep said that it was highly unusual for a card to be closed by the branch and, after checking with the supervisor, they had no explanation for it. 

Ironically, I booked this XXXX trip through the UBS Concierge Services and they ( UBS Card Services ) delivered a fruit basket to my hotel room the day before to thank me for using their travel service. 

I did not request this card to be closed and I want an explanation why it was done. This could have been an extremely difficult situation for me if this was the only credit card I had taken on this trip.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I've now opened up over 3 CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the three credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, police/ FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my Discover credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this Discover credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and Discover. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the Discover card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, XXXX, and Discover to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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: Credit reporting or other personal consumer reports

on or around XXXX XX/XX/2024 I went to Co-sign for a car for my daughter and the dealership Called to verify my identity that my social security XXXX was on the XXXX XXXX. I found that I had XXXX different names & several addresses similiar but not correct- several disputes filed a ftC report Iocal police department doesn't make identity reports. Several random credit card chargeS that have been resolved with the credit card companies however closed my accountS without my consent due to a drastic drop score and balances inquiries that weren't mine. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and now several loan XXXX credit application denials all of which are not mine. I got another alert on XXXX XXXX about my social security XXXX on the XXXX XXXX. I have placed a credit freeze and there are still some wrong a adresseS on my report. I have always paid my bills via cntodeduct and on time and my bank has refused some due to freeze. Leaving me with a huge mess and Inconvenience and bad credit. I need help with restoring my Credit asap
Product: Checking or savings account

Wells Fargo Bank, NA I have been trying to cancel unauthorized, fraudulent recurring charges from my bank debit card. 
On XX/XX/scrub> XXXX XXXX  I placed my debit card on hold - suspension. The bank continued to allow charges to be placed on my bank checking account attached to the suspended card. 
On XX/XX/year> I cancelled my bank debit card and received a new card. I have not activated the new card. The bank has continued to debit my checking account listing the new debit card number. 
The bank sent me a letter, XX/XX/year> based on my claim of unauthorized payments. The bank said the transactions were authorized despite my suspension of the debit card, subsequent canceled debit card and non-activated new debit card. 

I have requested the return of unauthorized transaction by Wells Fargo Bank. But they continue to debit my account.
Product: Credit reporting or other personal consumer reports

I have been sending letters since last year requesting that the information from XXXX XXXX be verified and updated on my credit report due to all 3 credit bureas reporting different information. When I initially made the request, I asked that they send me the proper documentation to have for my records showing the information was either updated of removed from my credit profile. I received nothing other than a letter stating the information was validated and will remain on the report. I pulled my report recently and noticed the information was slightly updated but was not done so correctly. There are several violations within the information that is being reporting on my credit profile from XXXX XXXX. I will be providing 2 copies of my credit report just to give you a visual of the changes that were made but are still invalid. For example XXXX is reporting the account was opened on XX/XX/XXXX. However, XXXX and Equifax are reporting the account was opened on XX/XX/XXXX. Also XXXX and XXXX are reporting the balance owed is {$7800.00}. While Equifax is reporting the balance owed is {$7900.00}. XXXX and XXXX are reporting the account is a repossession, yet Equifax is reporting the account as XXXX 120 days. XXXX and XXXX are also reporting the last day active as XX/XX/XXXX, while XXXX is reporting the last day active as XX/XX/XXXX. Even down to the 2 year payment history, the information is all over the place. I have been contacting the company, the credit bureaus and still have not received any proper assistance. This account is affecting my financial ability to obtain new credit. Which is causing issues in my every day life. As a consumer I have exhausted all of my options to get this matter rectified. I am requesting this account be removed from my credit report.
Product: Debt collection

They've been calling me for almost a year now, and I've been responding. At first I talked to them extensively about the debt and what it was, and I went to the medical provider from which the debt originated and paid it there in full. But, right on time, a month later, this firm was calling me back. I explained to them that I already paid the debt. It shouldn't be legal that I should have to pay the same bill twice. Their calls have been getting increasingly aggressive, but I'm not sure that insulting me over the phone is exactly a CFPB resolution. Still, I'm recording it regardless. 

It's been so long that I don't have the receipts from the original medical provider anymore. I don't even remember which provider it was, anymore. This was a year ago and they are still calling me.
Product: Credit card or prepaid card

I'm writing to give an official complaint about the Chase XXXX XXXX  Program. I had to cancel a flight and was told I would get a credit. I called to rebook a flight and discovered that the difference between my original flight cost and the new flight was to be forfeited. That seems unfair, unethical, and probably illegal. 

I wrote to Chase to complain about this, but haven't heard back. I just wrote to them today, though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against Kia Motors finance XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. For their disregard, i am having issues obtaining credit and a mortgage. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX  XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXXXXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX AND TRANSUNION Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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: Credit reporting or other personal consumer reports

Several disputes have been sent to Equifax and XXXX to remove this account the information on it is inaccurate the vehicle was resold for way less than what's reporting they last reported this in XXXX of XXXX however the vehicle was repo'ed in XXXX there was no XXXX sent the dates are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

MODEL FINANCE sold my debt I owed them to XXXX XXXX XXXX.  MODEL FINANCE is still showing a debt owed to them as well as XXXX XXXX XXXX showing a debt. Both are reporting on my credit report.  So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since MODEL FINANCE no longer owns this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.