23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo hasnt been able to transfer the mortgage from my deceased mom into my name for almost 3 years. When Hurricane Sally hit Alabama and was declared a natural disaster by fema Wells Fargo still has not been able to endorse checks even though we have completed all hoke repairs out of pocket. It truly appears that Wells Fargo is trying to take our home.
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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 XXXX and EQUIFAX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized disclosures of my credit card transaction history by both Capital One Bank and XXXX XXXX XXXX. These disclosures appear on my credit report, which I believe are in violation of federal laws, including 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) and the Privacy Act of 1974. I did not grant either institution permission to report my transaction history in this manner, and this disclosure has caused significant harm. 
Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) Under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report is defined as a report containing information about a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. My understanding of this statute is that it limits what information can be included in a credit report. The unlawful reporting of my transaction history by Capital One Bank and XXXX XXXX Bank goes beyond the permissible scope of information allowed under this section of the law. 
Violation of the Privacy Act of 1974 Furthermore, these disclosures also contravene the Privacy Act of 1974, which protects personal and financial data from unauthorized sharing without consent. In this case, my transaction history contains sensitive personal information, and I have not authorized Capital One Bank or XXXX XXXX Bank to disclose these details to any third-party, including credit reporting agencies. Therefore, I believe both financial institutions are in violation of the Privacy Act for improperly handling my private financial information. 
To assist in the resolution of this matter, I have attached copies of my recent credit reports showing the improper disclosures by both Capital One Bank and XXXX XXXX Bank. If necessary, I am willing to provide any additional documentation or clarification to aid in the investigation and resolution of this complaint. 
I trust that the CFPB will investigate this matter thoroughly and ensure that Capital One Bank and XXXX XXXX Bank take the necessary corrective actions. Please keep me informed of any updates regarding this complaint and the actions taken by these financial institutions to resolve the issue.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Checking or savings account

On XXXX XXXX on or about XXXX XXXX  I received an email from XXXX claiming they are XXXX XXXX XXXX The email stated that an annual billing for XXXX is auto withdrawn for warranty services for computer purchased a few years ago from XXXX XXXX. I did purchase it over 2 years ago for my daughter 's computer but only 1 year. I called the number XXXX to speak to a rep. I told him that I never wanted the warranty repurchased or renewed. It was stopped years ago. The rep said I had to go online to fill out a form to get my money back. I filled the form but I did not provide bank account info. He wanted me to go online to my account to verify if the money was deposited back into my account. I told him that the money would not be deposited that quickly. I also told him that I prefer to call my Banker to check if the money was deposited back into my account. He was getting frustrated. It did not make any sense. He was getting frustrated. He said that for me to check online or I would not get my money back. I told him no. He was upset. I ask him for his name and his supervisor. He said he would not provide hus namo orr hus supervisor. He also told me to dare not call back because they won't help me. I told him about his poor customer service. A definite scam. I notified my bank and to get my computer fix for hacking.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The inquiries occurred throughout the year. The only items listed correctly is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Any other inquiries were not done by me.
Product: Checking or savings account

I'm a victim of identity theft I have been fighting this ongoing issue for over ten years now.I have filed paperwork stating accounts were opened fraudulently with chase with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to have fradugelent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding an account Experian is reporting. I have requested information, validation and method of verification multiple times with them but to nothing has been done. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. Experian is reporting that XXXX XXXX ( XXXX ) XXXX XXXX is {$2700.00}, but the Balance reports as {$3900.00}, which is larger than the XXXX XXXX reporting on the account. Experian replied updating the item but validating this inaccurate information as accurate. When Experian verified the account as accurate per the Fair Credit Reporting Act, I requested their method of verification showing how they validated the debt as accurate, documentation, contact information of the individuals they spoke with and all relevant documentation. Experian did not respond in the 15 days required by the Fair Credit reporting Act to respond to requests for their method of verification. Then on XX/XX/2020 I filed a complaint here with CFPB stating that they had not responded to my method of verification letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, with the most outrageous response saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This was a blatant refusal to comply with the Fair Credit Reporting Act and a stall tactic. Experian can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act since they have provided no proof they actually verified the account. As I stated I would in my initial letter to Experian, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Experian, my method of verification request to Experian, the certified mailing receipt, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request and my Highlighted Credit Report showing Experian Reporting the XXXX XXXX as {$2700.00} while reporting the balance as {$3900.00}.
Product: Debt or credit management

On XX/XX/scrub>/25 I attempted to deposit money into my account, which had a negative balance of - {$0.00}. I first deposited {$10.00}, but instead of bringing my balance to a positive amount, my account still showed a negative balance. I then deposited an additional {$2.00}, expecting my balance to reflect a total deposit of {$12.00}. However, my account then showed a negative balance of - {$12.00}. 

I contacted Capital One to address this issue, and I was informed that I still owed {$12.00}, despite having proof of my deposits. I spoke with a manager named XXXX ( Consumer ID : XXXX ), who stated that the issue should be resolved by tomorrow and that I should receive my money back. However, I believe these overdraft fees and negative balances were applied incorrectly, and I am seeking clarification and resolution for this issue.
Product: Credit reporting

I submitted disputes months ago regarding : XXXX - Tax Liens by Mississippi. 
I submitted the LETTER of PAYMENT ( s ) for all XXXX issued by Mississippi Dept. of Revenue to ALL XXXX bureaus. 
XXXX currently shows ALL Liens as RELEASED. 
Equifax still does not show them as released. 
When you try to do an online dispute it is almost impossible to complete. 
XXXX makes it very convenient to file disputes online. 
However, the 1st Question / information you must supply is a XXXX digit report number ... .. this number is not available.
Product: Credit card or prepaid card

I received a charge for {$300.00} on   XXXX     from  XXXX   XXXX  to which was an unauthorized charge. I called chase bank and informed them of this charge. They issued me out a new bank card and tried to recover the funds but was unsuccessful I which is why I 'm filing this dispute to try to recover charges.
Product: Credit card

XXXX. Purchased XXXX XXXX dining table from XXXX XXXX XXXX on their Synchrony credit card on XX/XX/XXXX for {$6900.00} XXXX. Less than a year later, table and chairs are peeling, clearly defective XXXX. After XXXX XXXX XXXX claimed without seeing the table that this is just normal patina XXXX. Opened claim with Synchrony credit card XX/XX/XXXX and submitted documentation on XX/XX/XXXX by uploading through XXXX XXXX XXXX XXXX ( including Merchant 's Response, Two Pictures clearly showing peeling and merchant 's advertised Product Description ) - and have screenshot showing message from Synchrony.com " Your files have been successfully submitted '' XXXX. Synchrony letter on XX/XX/XXXX that no proof had been submitted, closing claim XXXX. XX/XX/XXXX call with XXXX at Synchrony who said she found the XXXX pictures that were previously loaded and was resubmitting the claim XXXX. XX/XX/XXXX letter from Synchrony that can't find the transaction XXXX. XX/XX/XXXX, had XXXX minute call with Synchrony representative named XXXX who incorrectly alleged account numbers had changed and amounts were wrong XXXX. XX/XX/XXXX confirmation letter that claim resubmitted XXXX. XX/XX/XXXX letter that claim closed again because no proof submitted XXXX. XX/XX/XXXX call to XXXX at Synchrony, telling her I was going to file this complaint and she said they can not accept pictures as proof that the table was defective XXXX. The credit card company is clearly protecting the credit card 's sponsor and rejecting all claims
Product: Credit reporting or other personal consumer reports

Complaint Details What Happened : I am a victim of identity theft, which has resulted in fraudulent accounts, unauthorized inquiries, and incorrect personal information appearing on my TransUnion credit report. As a victim of the XXXX data breach, my sensitive personal information was exposed, making me vulnerable to fraudulent activity. Despite my efforts to resolve these issues, the following inaccuracies persist : XXXX. Fraudulent Accounts The following accounts are fraudulent and negatively impact my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Fraudulent auto loan, charged off with a balance of {$10000.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Fraudulent auto loan, charged off with a balance of {$21000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Fraudulent revolving account, charged off with a balance of {$480.00}. 
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 XXXXXXXX Details : Collection account with a balance of {$220.00}. 
XXXX. Unauthorized Credit Inquiries The following credit inquiries were made without my knowledge or authorization and are tied to fraudulent activity. These inquiries must be removed : 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. Incorrect Personal Information The following personal information is inaccurate or fraudulent : Names Listed Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request : Retain only my correct legal name : XXXX XXXX XXXX. 
Addresses Incorrect/Fraudulent Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Employers Fraudulent Employers : Impact Community Action XXXXXXXX XXXX XXXX Request : Remove all employer information, as it is irrelevant and inaccurate. 
Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) : Fraudulent accounts must be blocked within four business days upon receiving notice of identity theft.

15 U.S.C. 1681b ( c ) : Prohibits unauthorized credit inquiries.

15 U.S.C. 1681i ( a ) : Requires disputes to be investigated and resolved within 30 days. 
FACTA ( Fair and Accurate Credit Transactions Act ) : Victims of identity theft are entitled to block fraudulent information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Credit bureaus are liable for failing to investigate disputes reasonably.
Product: Debt collection

I made an uninformed decision. There is no evidence of indebtedness. The only evidence of debt was the agreement, because of the uninformed decision that agreement is null and void. Why? I dont understand this meaning and it was not clear and conspicuous.
Product: Debt collection

OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue as a copy of my personal information was stolen while hospitalized more than a month. I have never had a One Main Financial Account, credit cards or other miscellaneous accounts that were opened due to fraud. I have had multiple XXXX XXXX, been in a XXXX and had copies of my identification stolen from the XXXX XXXX XXXX South Carolina. The theft was reported to police. I do not have income, therefore, would never be issued any type of loan. OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent a XXXX to the wrong phone number. So it went to wrong person. It was XXXX and they did not want to refund me. They told me to reach out to XXXX XXXX and ask her for the money back, but she said no. She thought I was trying to scam her. XXXX XXXX XXXX XXXX XXXXXXXX XXXX was the person the money was supposed to go to. Their phone number differ by one number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and they received it on XX/XX/2021 via certified mailed. 
I received a letter from them dated XX/XX/2021 with confirmation number # XXXX stating that the personal information I disputed was deleted however I have check my credit report in XXXX and XXXX and the information is still on my credit report. I have contacted them several times and they assure me the information has been updated in there system but my credit report still has this inaccurate information.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries Dear [ Credit bureaus XXXX equifax XXXX ] I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my reports from XXXX, XXXX, and Equifax, I noticed the following inquiries that are not attached to an account I did not recognize nor authorize : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX card date ( XXXX ) XXXX one date ( XXXX ) XXXX XXXX XXXX XXXX date ( XXXX ) XXXX XXXX  date ( XXXX ) XXXX XXXX 'XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX  date ( XXXX XXXX XXXX ) XXXX XXXX XXXX date XXXX XXXX XXXX ) These inquiries were made without my knowledge or consent, and I have not applied for credit, loans, or services that would warrant these checks. I believe these inquiries may be the result of identity theft or unauthorized use of my personal information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately, as they were made without permissible purpose. 

Enclosed, please find a copy of my identity theft report filed through the XXXX XXXX XXXX IdentityTheft.gov website. 
Please confirm receipt of this letter and provide me with written confirmation once the disputed inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the handling of my disputes regarding inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has blatantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to label the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been egregiously flouted. The reporting period continues to run despite the account 's last activity date being incorrectly reported. This misleading representation fails to reflect the actual date of payment cessation, thus unfairly impacting my creditworthiness.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

It is imperative that you promptly address these violations and rectify the inaccuracies on my credit report. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds 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 transaction settled with insufficient balances despite initially available funs. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.