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

I have contacted this company named Wells Fargo since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the XXXX XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in Wells Fargo would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too Wells Fargo or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 Wells Fargo has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Product: Debt collection

This account should not be reporting on my consumer report as I am a victim of identity theft I have never had an account with this company and do not owe this debt. 
This account should not be furnished on my consumer report as they are in violation!!! 
Per U.S code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS 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 PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX Account XXXX 15U.S code 1681 c ( 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 in an alleged identity theft not later than 4 business days after the date of receipt. 
PLEASE DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
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. 

XXXX XXXX XXXX XXXXXXXX, 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 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

Transunion, Remove all oregon addresses from my credit report All oregon related information removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Equifax regarding an inaccurate reporting of a public record on my file. I disputed this public record with Equifax on XX/XX/XXXX which was completed on XX/XX/XXXX. The results of this dispute were that the public record was deleted from my credit file. However, when I spoke to Equifax they told me it was reported back on. After speaking to a supervisor named XXXX, employee number XXXX, he informed me that he escalated the issue as a complaint. After asking him who/which department actually deletes these items he said there isn't and the computer does it. He then hung up on me after telling me he couldn't answer my questions. I called back and got " XXXX '' employee number XXXX and she then explained the same things to me and also told me they don't have information on any managers that I can speak to. None of them could help me and kept providing me with the same answers which seemed very predetermined responses. The way I was treated after challenging information that was inaccurately reported on my file was unacceptable.
Product: Credit card or prepaid card

TARGET in is XXXX XXXX statement has charged me a {$40.00} fee but I have no idea for what. 

I shall not pay the said {$40.00} fee as it is exorbitant and excessive and at this time of dire skyrocketing inflation! 

I respectfully demand that this account be closed but, of course, I remain obligated for the balance remaining. 

I shall not do business with such a company that charges this sum of money and does not tell me for what! 

They shall have to take me to a court of law but I shall not pay this " fee ''! 

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

Hard inquiry in my credit report from : XXXX/XXXX on multiples days as XX/XX/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 XX/XX/XXXX. 

Also from Chase Card on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX XXXX XXXX, multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XX/XX/XXXX 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.
Product: Bank account or service

Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.
Product: Student loan

My account was approve for Forbearance from  XXXX   XXXX    XXXX  .  Navient  reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due tot inadequate. customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures. to prevent and address fraud on their platform, leaving my account. vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I applied for a loan with Lower.com. I was given a closing date of XX/XX/2022. On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX called to inform me that my loan was denied. XXXX XXXX told me my silent second was the reason the company could not approve my loan. 
Dates : I began the loan application on XX/XX/2022 and received news of my denial on XX/XX/2022 via telephone. On XX/XX/2022 I received a written Statement of Credit Denial from Lower.com. The reason listed on the notification was due to " Credit application incomplete. '' On XX/XX/2022, I emailed the company and requested to speak to a supervisor. XXXX XXXX, who identified himself as XXXX XXXX of XXXX returned my call and informed me that since I was not part of a " down payment assistance program, '' my loan was denied. On XX/XX/2022 I emailed the company and requested to speak to the underwriter to obtain a list of all factors involved in the denial of my loan application. Lower.com employee XXXX XXXX informed me the underwriter was no longer with the company and my request was not granted. I feel that it is a real problem that I was given three different reasons for denial when I meet all criteria for the loan ( Income, equity, employment and most importantly full documentation. 
-- As a result of this lengthy process and denial I was priced out of the mortgage market due to rapidly rising interest rates.
Product: Debt collection

On XX/XX/XXXX, I received a notification that an account was added to my credit report. On XX/XX/XXXX I contacted MG Credit and spoke with a representative that advised that they do not have this debt. Per the credit reporting act the collection agency can not collect on a debt they do not own. Additionally, I was told by the representative that the debt was given to a company that was closer to where I currently reside and that I should contact them regarding the account. I attempted to find out more information regarding why this account was added to my report by MG Credit if they no longer own the debt. The representative refused to put me in contact with their credit reporting specialist and in fact became rude and nasty on the phone. 

I became aware of MG Credit attempting to collect a debt for a XXXX  office ( I last received services from this XXXX  office in XX/XX/XXXX, and believed to have paid off the company ). In XX/XX/XXXX, I contacted MG Credit and asked for a verification of debt, in doing so I provided the company with my current mailing address. I never received the verification of debt information and was told that the account would be placed in dispute until I received the documentation. A month or 2 later I received communication from another agency attempting to collect on the same debt. I called that company and again requested a verification of debt and was told that the account would be in dispute. 

Ultimately, MG Credit opened a collections account on my credit report though they no longer own the debt and without communication or providing the requested information.
Product: Checking or savings account

XXXX XXXX, XXXX, Bank of America, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX specifically and aforethought intentionally told me that I had overdraft protection on my XXXX ( XXXX ) credit cards. " You will not have any more problems with overdraft protection! '' I am prepared to testify under oath to this in a court of law. 

Now I learned that the Bank of America has not honored the aforementioned over-draft protections and so has charged me XXXX ( XXXX ) overdraft frees of {$35.00} each which is having a snowball effect on my checking account. 

In short, he lied to me!
Product: Credit card

I have repeatedly asked for a bill which they send rarely. So a rep calls and tells me my payment is XXXX. I pay XXXX for 2 months but still get charged a XXXX late fee both months. I call and another rep says my bill was XXXX a moth so i was charged a late fee for the XXXX. I explained what he told me. She said sorry. Again, no bill for the 3rd month but a late fee. I asked if it was n't my fault and because their rep gave me the wrong info and they wo n't send me a bill, thats XXXX in 3 months. They have even locked my card over a XXXX payment having me go the bank to show my ID. My credit limit was XXXX and my bill was only like XXXX. But because I had n't used my card in a while. Its always some kind of fee. So how many people are they charging late fees to without sending you a bill!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or removed : XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.
Product: Credit card

On XXXX XX/XX/2023, at approximately XXXX XXXX, my phone rang. Caller ID said " SPAM RISK '' so I did not answer. A voice left a message saying it was State Employees Credit Union calling to confirm unusual use of my card in the charge of {$940.00} to some insurance company. I DO NOT BELONG TO SECU, I DO NOT HAVE A CARD SPONSORED BY THEM. I called to tell them that -- XXXX -- and XXXX XXXX was unavailable but her machine would take a message. I told her to stop scamming people and that she ought to be ashamed of herself and hung up.
Product: Vehicle loan or lease

On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX in XXXX XXXX through credit acceptance being the loaner, when I put the Initial down payment on the car the sale price was $ XXXX put {$1000.00} down. I was made to have an extended warranty through a company called XXXX added on my loan which I didn't ask for and also I have several things wrong with my vehicle that need to be fixed and there is Noone around that takes this warranty bc they have been used prior and companies haven't been paid by them. I was under the assumption that I'd be paying {$4600.00} for my car in which it's value is only a little over {$2400.00} ... when I made my first payment with credit acceptance I was then aware that there must be something wrong bc my balance due is over {$10000.00} I don't know where all these fees came from I don't know where or why another {$4600.00} has been added to my loan... I have been jerked around since I began this loan and I want to know why am I paying over XXXX grand for a car that is a 2006 with almost XXXX miles on it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausXXXX TransUnion, and XXXX to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To XXXX TransUnion : After filing my dispute well outside the 30-day window, TransUnion recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

XXXX : XXXX responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), XXXX is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

XXXX : XXXX has entirely failed to respond to my dispute, again violating the FCRAs 30-day requirement. To date, I have not received any communication from XXXX regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of XXXX, TransUnion, and XXXX to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws.

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone has been using my personal information to open bank accounts of current accounts and savings open fraudulent accounts = Wells fargo, XXXX XXXX XXXX XXXX  and XXXX XXXX .. I do not recognize these accounts please delete my information with these companies ..