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

I had accounts with Wells Fargo from XXXX and then my account was closed in XX/XX/year> do to unauthorized charges that were temp returned then charged again leaving my account negative however these charges may have been caused due to the data breaches Wells Fargo has has resulting in my identity being stolen and used without my permission. 

I should be entitled to the class action settlement against Wells fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can XXXX and Experian verify these accounts Remove all accounts : 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a credit report.
Product: Checking or savings account

Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as Im trying to start a new job that these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

currently I do not have a score on Experian credit bureau because XXXX XXXX XXXX reported to Experian that I was deceased I have called Experian to prove that I am alive they said to call XXXX XXXX  to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

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

Dear Sir/Madam, I have diligently contacted the credit bureaus regarding this matter, but unfortunately, my efforts have been in vain. Despite my attempts, the accounts in question have not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is being non compliance to FCRA law by still reporting and did not block per my request incorrect, and inaccurate information, that is the direct result of identity theft. They are also dealing in deceptive practices by claiming I did not send all relevant personal information required to investigate the dispute in an attempt to circumvent following FCRA laws. On XX/XX/1023 I realized XXXX XXXX account XXXX XXXXXXXX is reporting on my credit report.it is inaccurate and incorrect information due to identity theft. I sent XXXX XXXX a dispute, requesting to block the said information along with a FTC report l. They responded 6 days later to which is out side the 4 day block law in the FCRA state they are not blocking the information to which I am in title to have block due to identify theft. This is an attempt to circumvent blocking said information that should be blocked under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.
Product: Debt collection

Sun loans company keeps calling my place of employment, when i cant except calls there.calling my friends and family also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, XXXX, and Transunion on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent.

*15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, and contacted the XXXX county court listed on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Mortgage

Mr. Cooper is saying chase is at fault, and XXXX  is saying Mr Cooper is at fault. This morning I woke to a XXXX $ Checking account balance taken from my account, 7 withdrawals of 2752.45 each. Overdrawn my account and didnt take any of my calls to correct this issue, calling the number took me to an automated service and then transferred me to customer service which stated because of Covid they can not take my call with the high call volume and hung up. I called numerous times and same results. I dont have automatic payments setup nor did I approve these charges. I had to pay 30 $ to stop payments to from XXXX  and was not able to purchase food or gas or anything because of this today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX XXXX {$300.00} -TOYOTA XXXX XXXX XXXX  - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} -XXXX XXXX XXXX XXXX {$210.00} XXXX OF XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX  due to inadequate customer service and unfair practices, which violate the consumer financial protection act specifically Cash App failed to take timely and effective measures to prevent an 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 and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Carmax account on my credit report recently started reporting my account with an inaccurate date of last payment and balance, I tried to dispute this, it was verified as inaccurate and fixed on one report, but is still showing the inaccurate information on the others. I have a letter from Carmax stating my actual date of last payment and reported delinquency, which does not match my credit report and affects the date the account is to be no longer reported. Several erroneous charges and payments are now added to the account after the charge off period, I was never informed of these charges or payments, and I was never informed of any auction or sale for the repossessed vehicle which is required by Virginia law, the state in which I acquired the loan ; these new dates of payment that I did not make after the charge off, that never appeared in the credit report until recently, have now been counted as my date of last payment and this is against the fair credit reporting act.
Product: Mortgage

On XXXX XX/XX/XXXX I applied for a refinance with Rocket Mortgage XXXX # XXXX. I was advised that I would receive a refund for {$500.00} for my good faith payment and XXXX towards closing costs. I closed the mortgage on XX/XX/XXXX and noticed the XXXX was put towards my closing costs instead of being refunded to me as previously stated. Additionally, I did not see that the lender applied credit for XXXX as previously stated on the closing disclosure. I called Rocket on XX/XX/XXXX to voice my concerns and was informed that I signed the documents and there's nothing that can be done. I feel that there are concerns regarding UDAAP and I was misled and would like the CFPB to investigate what transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Somehow I ended up in a recurring monthly expense of about {$24.00} for TransUnion credit monitoring. This is certainly not something I knowingly signed up for. I did recently view my credit in the process of preparing to buy a house, but I did not knowingly sign up for a recurring monthly service. This seems like a deceptive business practice. I only discovered this after my credit card company flagged one of their monthly charges as a possible fraudulent charge. 

Thank you!
Product: Credit reporting or other personal consumer reports

remove this freeze from my credit file! I can't access my file! Remove this fraud alert I am trying to apply for health insurance however the insurance company can't access my file from Equifax.
Product: Credit reporting or other personal consumer reports

Its showing I owe Midland Credit Management {$740.00} dollars when I dont even have a credit card with them a few years ago I had an issue with someone using my social security number and opening accounts in my name without my knowledge or consent they call me upwards of XXXX times a day and never from the same number and they call me by my maiden name not my married name as Ive been married for 3 years and no longer go by my maiden name
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

Company is reporting account # XXXX is a charge off. I didn't receive a 1099-C. I should have received this since company got a tax write off. Company report credit limit as {$18000.00} and then reported again account # XXXX as paid as agreed. This is inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 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
Product: Credit card

Back on XX/XX/XXXX there were several fraudulent charges placed on my Truist credit card. 

I reported it and some of the charges were refunded but one was not. I have called several times since to see if when there would be a resolution to this case and have been told each time that I needed to wait until 90 days after the charge was placed so that it could be " escalated '' and researched. 

I waited for the 90 days and called Truist again on Thursday XX/XX/XXXX and was told that the case was still pending - that it would be " escalated '' and that I should call back in 48 hours for a resolution. 

I called again today XX/XX/XXXX and was told once again that the case was still pending. 

I have been charged interest charges and have had my credit score affected negatively. I have expressed this stress to Truist and they keep assuring me that the matter will be resolved soon but all that happens is " escalate '' the case and note it is still pending. 

I always pay my credit cards on time, hold no balances, and have an excellent credit score so this has been particularly frustrating to me. 

I've asked to speak to a manager or someone that can help me further resolve this issue but have simply been ignored on the phone calls and told all that can be done is mark the case as " escalated '' and to call back. 

These are the details for the fraudulent charge that has not been removed : 1- Transaction Details {$430.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type Debit Receipt Attached No These charges occurred only a day after I upgraded some seats for a flight I had an XXXXXXXX XXXX  and my assumption is that my credit information was stolen there. 

I was issued a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on my checking account on or about spring XXXX. I finally retrieved all the info Bank of America needed and on XX/XX/XXXX I received a letter from them stating their was fraud and I was not responsible. It also stated they would let outside agencies know. 
After calling them more than 10 times, and getting " we have sent the release to XXXX XXXX. I waited 30 days as instructed. Still on XXXX XXXX list that prevents me from opening a checking account. 10 days ago another stressful call, they told me the agent that was suppose to handle it moved on and the request was returned to Bank of America for insufficient information. BOA assured me they would expedite and relay the release to XXXX XXXX. I just called XXXX XXXX and still no response from BOA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Mortgage

I am refinancing with a mortgage company. The new mortgage company has been trying for weeks to get Ocwen Mortgage Servicer to send them the payoff quotes so they can finish the refinance. Calling Ocwen is an absolute nightmare. They outsource their call center XXXX. I escalated it to several managers who all told me I would have the payoff quote within 24 hours. I requested it 4 or 5 times and they always say 24 hours but never send it. Now my refinance interest rate lock is expiring and the lender is charging rate lock extension fees as well as they are not able to even close the loan because ocwen is not cooperating with sending the payoff quote ( a very simple request ). It is an absolute nightmare calling this company, and how they are still in business is beyond me. They have cost me time, money, and heartache, stress etc trying to just a simple payoff. Instead they play games, they request the same things over and over again, and driven me absolutely crazy trying to deal with them. Please pleas prosecute and get this company shut down. they slogan is " helping homeowners '' which is absolute garbage because I do n't think they have helped me XXXX time, even with something as simple as getting the payoff request so we can finish my refinance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/year> ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by Discover Bank regarding account number XXXX ( XXXX and XXXX ) and XXXX ( XXXX ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} XXXX : {$0.00} XXXX : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate.

Misleading Payment Status : All bureaus report the payment status as " Collection/Chargeoff, '' which does not accurately reflect my payment history and efforts to resolve this account.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.