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

Today, XX/XX/2022 I deposited a {$1800.00} check to my daughter 's checking account at Wells Fargo in XXXX, XXXX. I am the payor. The check was drawn on my credit union checking account at XXXX XXXX XXXX in XXXX, XXXX. My daughter has been a customer of Wells Fargo for 15 plus years. Her checking account, of which i am joint owner, has always been in good standing. During the deposit transaction, the teller informed me that there would be a 7 day business hold making only {$220.00} immediately available. As I was depositing a local check, the length of the hold surprised me. Upon questioning of the hold, the teller informed me the automated system placed the hold with a message " doubtful for collection ''. As the check was drawn on my credit union account and i was the payor, I was perplexed. I now questioned the teller and a member of management who could not offer any further explanation simply repeating the automated system assigned the hold with the message " doubtful for collection ''. I proceeded with the transaction and accepted the hold. I left the bank and went directly to my credit union to ascertain if there was some problem with my credit union checking account. I was told there was no problem with my account. It was in good standing and personnel offered no explanation as to the cause of Wells Fargo 's automated system considering my deposited check " doubtful for collection ''. I left the credit union and decided to visit another branch location of Wells Fargo to hopefully obtain additional information. I explained the situation and was informed the transaction would have been handled the same at that branch. I was further informed that no Wells Fargo employee or member of management could override the automated hold system. I was told to do so could result in termination. As my daughter is a long-time customer of Wells Fargo XXXX XXXX ... .her accounts have always been in good standing ... ... ... and her checking account balance greatly exceeded many, many times over the amount of the check ... ... .I found this policy, that manual overrides could not be made by employees or management, to be asinine. Given the prior consumer violations and fines levied on Wells Fargo, I have to question if the 7-day hold placed on my local deposit to be intentional and a possible violation of federal law and Reg CC. In placing a 7 day hold instead of a local hold of 2 days, the bank has additional time for the check to clear and lessen the risk of potential loss. If the bank is placing an excessive hold on my deposit in violation, I believe, of Reg CC, they are doing the same thing to many, many others. Truthfully, it would make sense to extend the check hold to lesson the risk of loss. But, as i said, in doing so, I believe the bank is violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX XXXX XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX  XXXX BANKRUPTCY ACCOUNT # XXXX 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 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account from a company called XXXX and XXXX has been reporting to my credit report for almost 2 years now. I filed a dispute with Transunion and requested this information be deleted as it does not belong to me. The original creditor is listed as XXXX XXXX during a time period that I did not own a vehicle. 

I filed a dispute with Transunion on XX/XX/2023 for this to be deleted in addition to a credit card and loan from XXXX XXXX that have been re-aged and are remaining on my credit report longer than 7 years. In addition to the re-aging, these accounts that were charged off over 6 years ago, are reporting as 90 days past due currently every single month and this is affecting my score. All XXXX have come back as verified. The company XXXX and XXXX mailed a letter to my new address listing XXXX vehicles that my bureau of motor vehicle reports can confirm I've never owned or had registered to me. This is not verification that I owe a debt for insurance. I have had the same insurance company ( XXXX ) for the last 4 years with no lapses in coverage. 

I am purchasing a home and this fraudulent collection account is affecting my scores immensely. I have an ID theft affidavit and fraud alert already present on my credit profile and I need this account to be deleted unless the company in question can furnish a memo title or registration document confirming I owned the vehicle they claim they insured.
Product: Credit reporting

I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help
Product: Mortgage

Received letter dated XX/XX/year> that mortgage being transferred to CrossCountry Mortgage XXXX XXXX XXXX 
Sent payment to new service address on XX/XX/year>. 
Payment returned to my bank account on XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Payment returned to my bank account XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Monday XX/XX/year> - Called phone number XXXX on transfer letter to get more information about loan transfer and why payment being returned to my bank account. 
Automated service with no option to speak with a human/person. 
Not able to resolve the issue of payment not being accepted. 
XX/XX/year> - I setup login information to website for loan servicing. 
No additional information on website and no way to contact/email customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.
Product: Credit reporting or other personal consumer reports

Im writing this statement because of inaccurate information on my credit profile thats need to be removed deleted from my profile. The accounts will be listed in my ftc identity theft report. 

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

Transunions website has said their credit freeze service is unavailable for months. I have to call to get a freeze lifted and it only works maybe 10 % of the time. After spending an hour trying to get a freeze lifted, credit card companies deny my application stating I have transunion frozen.
Product: Credit reporting

TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on my report.
Product: Credit reporting or other personal consumer reports

I realized after reviewing my credit profile that I had some inquiries that do not belong to me.
Product: Checking or savings account

The item costed {$120.00} it was from XXXX XXXX. I started the dispute on the XXXX of XXXX of this year. I contacted XXXX XXXX multiple times and no help. I dispute it. I lose it because as they say I never contacted them when there is clear proof In my emails where I have of XXXX XXXX saying pls rate our customer service I did contact them and they lied about to the bank.
Product: Credit card or prepaid card

I have been a Chase Sapphire Preferred card holder since XX/XX/XXXX with a credit limit of {$7000.00}. My payment history has been flawless, but at times my utilization has been high ( though never over my limit ). I have been working hard to improve my utilization for a year now, and in XX/XX/XXXX I paid off my balance in full. This action was met with an immediate credit limit reduction of {$3500.00}. The time has come for the annual fee on this card of {$95.00} due, however I do not feel the card benefits are worth it with such a low limit. I called to downgrade my card to one with no annual fee, but the bank will not allow it because they require a minimum limit of {$5000.00} to do so. Now, they say I have only three options : 1 ) pay the annual fee for the card I have with the limit as given, 2 ) pay off the card in full and close my account which will adversely affect the credit score I've worked so hard to improve or 3 ) authorize a hard inquiry to try to qualify for a limit increase to {$5000.00} despite the fact my approval odds are low which also will adversely affect my credit score.

I feel Chase Bank is practicing predatory lending and ensuring that I can't get ahead or improve my credit score unless I agree to continue paying them the annual fee. If this practice is not illegal, then it should be. As a consumer, I should have options to avoid fees without adversely affecting my credit. This honestly feels like extortion.
Product: Mortgage

I am writing to be included in the settlement that was litigated or being wrapped up by XXXX XXXX XXXX XXXX. I had a mortgage with XXXX and it startred to be serviced by XXXX. I had difficulty making my mortgage payments during the downturn in the economy. I struggled from XXXX XXXX. I attempted to obtain a modification a number of times during this period and that is when the transferring of the mortgage occured from XXXX to XXXX to XXXX XXXX. It was a very stressful time. I finally lost my home to foreclosure. I am including documents ( attached ). I have tried to resolve my complaint by contacting the Illinois Attorney General 's office, and I have included their " WEAK '' response to my effort in their latest letter dated XX/XX/XXXX. I therefore reach out to CFPB.
Product: Debt collection

I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS NO FIXED NOR ALLOWED ME TO GET INTO MY CREDIT FILE. NOW TALKING TO THE OFFICE OF THE CONSUMER AFFAIRS THEY CANT EVEN DISPUTE NOR OPEN MY CREDIT FILE. I USED TO WORK FOR EQUIFAX IN THE XXXX XXXXXXXX AND EQUIFAX HAS GONE DOWN SO BADLY IN WORKING WITH CONSUMERS AND ALLOWING CONSUMERS TO DISPUTE FRAUD OR FALSE INFORMATION ON THERE CREDIT TRADE LINE. I CANT EVEN DISPUTE OR LOGIN ONLINE TO SEE MY CREDIT FILE OR DISPUTE OVER THE PHONE. I WILL BE CONTACTING THE FTC AND XXXX CONCERNING THIS MATTER. I WILL BE LOSING A LOAN BECAUSE OF EQUIFAX NOT ALLOWING ME TO DISPUTE AND ATTACH PROOF OF FRAUD ACCOUNTS. I HAVE FILED SEVERAL COMPLAINTS WITH CFPB AND FTC AND THEY KEEP SAYING THE BLOCK OR VERIFICATION WILL BE REMOVED AND THE BACK OFFICE WILL REMOVE THE FRAUD ACCOUNTS ON YOUR CREDIT FILE, MEANING,,, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, I STATED IN A STATEMENT BACK TO CFPB THAT THESE ACCOUNTS HAVE BEEN REMOVED AND MY ACCOUNT IS OPEN TO ME TO DISPUTE ONLINE AND LOGIN AND TALK TO OFFICE CONSUMER AFFAIRS. NOTHING IS EVEN TRUTHFUL WITH EQUIFAX AND I TIRED OF THIS PROBLEM AND NOW IM LOSING XXXX IN CLOSING MONEY DUE TO EQUIFAX AND I WILL FILE LEGAL ACTION AGAINST EQUIFAX IF THIS PROBLEM AND ACCOUNTS AREN'T OFF MY CREDIT FILE BY XX/XX/XXXX. I HAVE CONTACTED SENATORS THATS MY BROTHER IN NC AND HES IS RAISING A COMPLAINT NOW AGAINST EQUIFAX IF THE PROBLEM ISN'T CORRECTED BY XX/XX/XXXX. IT NOT HARD JUST FIX THE PROBLEM.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. 

Previously, I have been contacting Equifax multiple times via certified mail and phone for unknown address records and delinquent or derogatory accounts ; however, the only response I would receive is that Equifax were unable to locate my credit file. 

I submitted my Equifax Data Breach Settlement ; engagement # XXXX, claim # XXXX. Claims will be attached below to provide details.
Product: Mortgage

SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

I applied with Cred.Ai and found a delay in my application. I was then sent email to provide my ID and Ulitlity Bill into the link they provided. The documents I sent along with my information which is going on a month now. I called Cred.Ai hopping to get help and approval for the card. The only thing was mentioned to me that they will escalate the matter and that I should recieve a email. Its a been a week and I heard nothing.
Product: Debt collection

This company Online Information which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding utility bills that I possess, and I am seeking the name of the company to which I owe the debt and a detailed breakdown of the fees that I owe. Cease any credit bureau reporting until the debt has been validated by me.
Product: Money transfer, virtual currency, or money service

Good morning, my paypal account has been permanently closed unfairly, since I am dedicated to the marketing of products for sale online several years ago, this is my only livelihood to generate income and paypal being my only means of payment to receive these sales blocked me without just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  The late payment in question is reported by TRANSUNION for the period of XX/XX/2024. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Student loan

I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.
Product: Credit reporting, credit repair services, or other personal consumer reports

They removed almost everything else but the inquiries
Product: Credit reporting or other personal consumer reports

I am exercising my right to have these accounts, which are inaccurately reported on my credit file, disputed and investigated. The Fair Credit Report Act stipulates that I should be awarded {$1000.00} for each false report. I recognize that FCRA 605B requires reporting any incorrect accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, XXXX, and Equifax. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX 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 or other personal consumer reports

I checked my credit report on XX/XX/year> and found incorrect information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Acceptance, dba XXXX XXXX, is reporting a late payment in XX/XX/2019 but the balance was paid in full on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fait Credit Reporting act 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.