23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.
Product: Checking or savings account

So who may concern that I have filed a claim for almost a month and a half to get my funds back into my account the amount was stolen from out of my account was {$XXXX}. I file multiple claims to get my phone back, but they keep denying my claim due to the fact day said fine authorized by me and I told them that the phone was stolen from a park and the person who took my phone stole funds out of my account I file a police report to get to my give to my bank, but they still keep denying my claim due to the fact, they said I authorize the payment. I have proof that the phone was stolen i show evidence of the person who stole my phone and the person that stole funds out of my account also, I called them multiple times to see how the process is going, and I also told them that a private XXXX was on the case also but they still deny my case suits the fact that they said authorized transaction and the phone that was stolen from me was my final so have a new down payment on my home and Im trying to get my phone right now cause Im living in a XXXX  with me and my kids on my phone was stolen from me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Product: Debt collection

I received a confirmation from XXXX on XXXX XXXX, 2016 that all lines on my account were disconnected, and had a zero balance due. 

On XXXX XXXX, 2016, I received communication that I owed {$290.00} on my account, as there was a line of service still open and it had been accruing monthly charges. 

I told them that this debt should not be my debt, as when I received the communication on XXXX XXXX, 2016, I had taken that to mean that all of my accounts were closed. 

When I tried to clear it up with XXXX, they would not waive the fee, even though this was their mistake, and even though I had never actually used the line of service ( it was opened, and placed on hold, which is why, when I received the communication on XXXX XXXX, I had assumed it had been closed due to never being used ) Since then, they have sent the bill to debt collection, and now debt collection has reported to the XXXX credit reporting agencies, which has dropped my credit score from a XXXX as of XXXX 2016 to a XXXX as of this month.
Product: Debt collection

I am not working. I was working at XXXXXXXX XXXX XXXX as a XXXX XXXX XXXX. Working the XXXX but I was laid off and relieved of duty related to demands made by supervision. The access number for XXXXXXXX XXXX XXXX XX/XX/XXXX was the last day I was working. The integrity line connected me to a representative. My access credentials for the case file is XXXX pin access code XXXX these numbers will give you access website XXXX The creditors that the money is owned too is diversified adjustment service Inc XXXX XXXX XXXX reference number is XXXX the amount owed is {$610.00} and {$100.00} it's for XXXX XXXX account number XXXX the date reference is XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing this complaint in case other Comenity Bank card holders are having the same issue. I called Comenity Bank on XX/XX/21 when I noticed a mysterious {$.00} foreign transaction fee assessed on XX/XX/21 on my credit card statement for my Sony XXXX. Comenity agreed that the fee was strange and agreed to reverse it. They had no other explanation for the fee, so I am concerned that this might be a widespread issue. The charge is not in the purchases section of the statement but listed separately in the fees section.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has hung up on me twice in regards to my previous to dispute that I called about. One representative claims that they never opened the letter, and another rep claims they completed a dispute letter on the same day and closed the dispute. However, they neglected to provide any dispute status to make me aware and I could not verify this information on their website. This violates the FCRA. In addition to this, TransUnion will not provide any information on how my disputed accounts were validated.
Product: Payday loan, title loan, or personal loan

I requested a payoff letter from the previous lender on my car loan, which I sent to the current XXXX XXXX that I refinanced the loan through. The XXXX XXXX then using the payoff letter paid off the loan, in addition I had made an extra payment XXXX months prior to them paying off the loan. 

The previous lender " Upstart XXXX '' insists that I still owe them a payment and now have added yet another payment. My new XXXX XXXX " XXXX XXXX XXXX '' in XXXX Oregon needs the title which Upstart XXXX is refusing to give them. I have all of the documentation and emails to prove my case. 

I am a member of XXXX XXXX here in Washington XXXX, I contacted them about this issue, they wrote a letter to " Upstart XXXX '' we have had no response. 

Can you help resolve this matter? Or give me some type of suggestion as to what I can do? 

Thanks in advance, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX XXXX  continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed.

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX act. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Product: Credit reporting or other personal consumer reports

This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. 

The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . 

However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. 

Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. 

Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. 

I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.
Product: Debt collection

Several years ago I cosigned an auto loan for a friend with Santander.

Santander would say payments were late the day after he'd just made a payment. He would contact Santander and it would be straightened out. Several times he worked out payment plans with Santander and he was assured everything was taken care of.

This seemed to happen quite often.

It seems the problem is the company 's lack of communication from department to department. The department he'd speak with making a payment plan somehow never advised the billing collection department that an agreement had been made.

Since I was not the actual owner of the vehicle ( just cosigner ) I was not really made aware of these issues. I'd receive a letter a few times and I'd be told it was all taken care of by Santander.

In XXXX  of this year I was advised by the owner of the vehicle that the car was repossessed by Santander.

I was never given any notice that this was going on.

But my credit has gone down the tubes and Santander states I owe them {$5400.00}.

Nor was the owner of the car aware this was going on. In fact they were actually going to trade the car in the following weekend.

If you look at my credit records they are excellent except for this one loan from Santander. I find it unfair to hold me responsible for something I was never made aware of.

This ding on my credit report is causing me great hardship at this time.

I've read up on Santander and there are reports after reports of their poor business practices and lack of communication within their own company. They have recently gone through 3 CEO 'S.

I went as far as to email the CEO personally - to date I have not even received an acknowledgement to my email.

I do not have paperwork ( except for my letter to the CEO ) as it was always sent to the car 's owner - Mr. XXXX. He would also be happy to provide you with whatever you may need as he is the one who has been dealing with Santander all along.

I'd appreciate any help you can provide in clearing this up and getting it off my credit report.

Sincerely, LW
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter concerns the following account : XXXX XXXX XXXX XXXX XXXX with account number XXXX I disputed the referenced account above on XX/XX/2022 The credit report of XX/XX/2022 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 
Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I have received no such notification. This is a serious violation of the FCRA
Product: Bank account or service

my mother was XXXX and chose to recive her pension payment into my checking account. she always told me it was for the preceding month. she died last month and a week later her pension was deposited in my account. i contacted the pension provider and advised them of her death. three weeks later with no notification they electronically debited the amount from my account. this caused extreme hardship in over draft and expenses. i contacted the pension firm and they told me to dispute it with my bank but that will take ten days and still leave me liable for much financial hardship. no one could explain to me why i was not notified of the reclaim of funds after i did my part to contact them for help in a timely manner and my bank is not helping either
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for unlawfully refusing to provide me with my credit report under the Fair Credit Reporting Act ( FCRA ) which violates 15 U.S.C. 1681g unless I provide my XXXX  XXXX  and a copy of the very address they sent a rather deceptive letter trying to gather information instead of supplying me my credit report after I demanded a copy of my report via the CFPB portal. ( See attached ) I didnt provide any information, so Im very curious as to what your company is referring to? 
XXXX. What documents are you referring to? 
XXXX. What was illegible? 
Furthermore, any information that you dont have or doesnt match is NOT MY RESPONSIBILITY. Im not doing your job for you. 
In addition to violating the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), XXXX demand for my Social Security number violates privacy principles outlined in The Privacy Act of 1974 ( 5 U.S.C. 552a ), which establishes that individuals can not be forced to provide a Social Security number as a condition for receiving benefits or services unless required by law. XXXX has no legal basis for conditioning access to my credit report on my providing my Social Security number. 
Regarding Category XXXX Current Address, I find it absolutely idiotic that you sent a document stating you wont give me a copy of my consumer credit report without verifying the exact address you sent the document to. 
Moreover if this interaction isnt enough " verification '', use my XXXX report. 
15 U.S.C. 1681g says upon request your company, a consumer reporting agency, shall clearly and accurately disclose what they have on file to the consumer. 
Your company is to immediately furnish a pdf copy of my consumer credit report to the email associated with my profile or directly to this portal, any further failure to do so and I will ask that the CFPB investigate XXXX  refusal to comply with the law and impose fines and penalties under 15 U.S.C.1681n for will non-compliance, and any other damages deemed appropriate by the CFPB XXXX
Product: Debt collection

The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Further more Trans union issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.
Product: Checking or savings account

In XXXX of XXXX, I returned shoes that I purchased from XXXX totaling to the amount of {$3900.00}. This merchandise was returned in accordance of XXXX XXXX return policy and was returned using a return shipping label that they provided me. By XX/XX/XXXX, I had not received my refund for the amount stated above and I reached out to Wells Fargo to dispute the initial charge on the grounds that I returned my merchandise to the merchant and they will not issue credit. Alongside filing this claim, I provided Wells Fargo with as much relevant information as I possibly could including evidence of the attempts I made to resolve this issue with the merchant, the return tracking details, the order summary, confirmation from the merchant that they have received my return, etc. After months of debate, Wells Fargo has concluded that they will choose to ignore all of the evidence that I've provided and they will not complete my dispute without a written confirmation from the merchant that states " I am supposed to receive a refund ''. This is the most absurd thing I have ever had to deal with because I've done everything in accordance with the merchant 's policy and they are still choosing to ignore all of the evidence I've provided. I feel discriminated against and this response is completely unacceptable because we're not talking about a small amount of money here. I have full documentation showing I returned the merchant 's items and that constitutes a refund, it's as simple as that.
Product: Debt collection

I am filing a complaint against Contract Callers Inc/XXXX XXXX. Account number XXXX. The amount owed is {$70.00}. My complaint is they failed to send the last bill to your home address and it turned into a collection. If they would have sent the bill to the right address it would have been paid. 
This has costed me between 100-150 drop in my credit score and is affecting me refinancing my homes.