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

In XX/XX/2019, I requested XXXX File No. XXXX Equifax File No XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX.XXXX, XXXX XXXX..also XXXX XXXX ... these name are inaccurate and XXXX has failed to remove the inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I have repeatedly asked that my full name including middle initial be used on all bills, medical files/records and correspondence yet in over two years this hospital and this particular doctor have verbally promised but then refused to follow through. If my middle initial is not included then it causes confusing and is often added to my father 's credit history because he shares my fist and last name, just not my middle named. I also can not use the billing receipts that the hospital and doctor provides as proof of my medical expenses on my yearly taxes because my middle initial is not included. Due to a XXXX illness XX/XX/2013 I had to move in with my parents for a period of time and our medical records were mixed up after hospitals and doctors failed to heed my request that my middle initial be used at all times. 
Now I have been referred to a collection agency because the hospital and one doctor has refused to provide me with an official receipt bearing my middle initial!
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX 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 XXXXXX/XX/XXXX BALANCE : {$11000.00} 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 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: Debt or credit management

I called the bank for a long time they told me they had sent me a new package to do a modification but they didn't send me any information, because the person inside in the mortgage passed away a few months ago. 
XXXX
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo called me about my account is being closed to due to a wire recall request by XXXX XXXX. 

They claimed that the wire was credited into my account which has a surplus in it even if the wire were to be deducted. 

XXXX agreed that the wire did come into the right account and cancelled the recall request on XXXX. 

XXXX closed the account and sent me my check for the funds that remained in the said account. 

Wells Fargo for the last 12 WEEKS has held these funds hostage stating we are waiting for the wire originating bank to send back the funds when I have sent them letter from XXXX stating that these funds are indeed mine and were credited correctly. 

This is unacceptable and illegal, I have asked 6 times with the CFPB to close the account and send me my funds, I have bills to pay and have now fallen behind on payments due to this. 

When I spoke to the Executive office staff they stated get the wire recall cancelled and we can close this immediately which was false, as I called to notify them of this and was given the run around 5 weeks ago! 

Also Wells Fargo keeps sending me messages like currently where my account is to be closed by the expected date of XX/XX/XXXX. Which we are now past that. 

Wells Fargo has done to me what they have continuously done to their clients and customers. 

The account number for this account is XXXX. 

Also I received a letter from XXXX XXXX a paralegal employed by Wells Fargo for a authorization to DEBIT my account the {$60000.00} which was the amount of the wires and I signed the papers and returned them, that was 3 weeks ago and no debit has occurred and the account is still not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the laws under The FDCPA, Debt Collectors must send a written Validation Letter however I did not receive a Validation Letter neither by mail and or electronic confirming said debt. I was not given an opportunity to inquire, authenticate, agree or disagree with debt. Therefor you are in direct violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the XXXX  Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions ot the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX Transunion and ( the consumer reporting agencies in question ), in reference to my initial complaint. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address, transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. I have attached a copy of my original complaint for reference. the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and Transunion complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. I appreciate your attention to this complaint.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act Fifth third bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  - Debt Final Rule 1002. 142 ( b ) ( 4 ) - 5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted .. company TransUnion XXXX please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX my customer paid for having her home cleaned the transaction was for {$100.00} around XXXX in the afternoon using XXXX  to pay. As we have normally done every 2 weeks. When I checked my Chase account the next day the funds werent deposited. I called Chase and spoke an associate he informed me that there was a 3-5 day hold on the transaction. I asked why he didnt know. I asked how to avoid this issue going forward and he couldnt tell me. I asked to speak to a manager about the issue and she wasnt able to provide any information as well. Now Im scared to have my customers pay me through Chase XXXX as I have a small business and have employees to pay on time and I cant do that if Chase randomly holds funds without notifying me. Holding funds is detrimental to my small business.
Product: Debt collection

Transworld Systems calls me at least 8 times a day, after they were told not to, they will not verify the debt, they will not mail me anything and I believe the debt is outside the statute of limitations.
Product: Credit card

XXXX dollars XXXX in fraudulent charges were made using my non-chip credit card number despite the fact that the card was in my possession. I have spent hours on the phone with Citibank over the past several weeks reviewing these charges. My card was cancelled and a new card issued. Citibank does not dispute that they are fraudulent but they continue to show as charges I should pay on my statement. In addition my online statements show no activity on my new card at all so I can not see what I need to pay this month. They want me to manually calculate the charges I owe subtracting the fraudulent charges I 've reported multiple times already Citibank say that if I miscalculate I will owe interest on any underpayment.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureaus but I never received a response from them. These inquiries must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Transunion XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( transunion XXXX, XXXX ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct number:XXXX  XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record. 
Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information. 
Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted
Product: Debt collection

I got notice my credit score dropped. Looking at my report this collection company posted 2 different remarks on my report. I notice the original debtor is a medical facility that I have never been at. Furthermore, I have always had insurance and there would not be a medical debt on my credit report. This is not my debt.
Product: Consumer Loan

My father had a car lease through Ally bank. 
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. 
He paid his XXXX lease payment. 
I am his son and co-executor of his will. 
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. 
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. 
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. 
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. 
I do not have a copy of the lease contact. 
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). 
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. 
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.
Product: Prepaid card

I have 3 American Express gift cards worth {$300.00} and they will not work, they keep getting declined.
Product: Credit card

American Express offered me a new card, a XXXX credit line, and no interest for 18 months. I accepted. Charged XXXX to the card. Am Ex immediately canceled the card, requested payment in full, and locked my other two AmEx cards until I paid the balance, which has nothing to do with my other cards ... .... After paying off the XXXX, which was demanded immediately, unlike the original offer, they increased my available credit on another card I have with 20 % + interest. 

Bait and switch at its finest. Offer credit, take it away, require immediate payment and then offer credit at 20 % +. 

This has got to be an absolute dishonest practices at best, illegal according to the Attorney I have contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active is different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 604 - 15 U.S.C. 1681b ( 3 ) Response of agency after notification through system. Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under para- graph ( 5 ), a consumer reporting agency shall ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.

Consumer Fair Protection Bureau & I never received notification of investigation on Complaint ID # XXXX filed XX/XX/year>XXXX XXXX XXXX confirmed via email within 5 business days. This has been a very depressing process & has created unwarranted hardship over my life.
Product: Credit card or prepaid card

I recently opened a credit card account with Bank of America. When I downloaded and then went into the app to set up my payments, it showed another account in the payment history. It shows payments of a personal card ending in XXXX with a $ 150 monthly payment set up and also cancelled for the XXXX of every month. It makes no sense! 
When I spoke with a service consultant they needed the full cc number of this ( unknown ) account before they could " see what I'm seeing. '' How can I do that when I don't even know why there's a card with payment history on there? I recently saw where they were being fined for setting up accounts without consumer knowledge and I believe this has happened. When I look at my credit report there are two BOFA accounts opened and closed within the last five+ years that I honestly can not recall. And now on my new card app, it shows an account with {$150.00} payments set up and cancelled on the XXXX of every month for that card ending in XXXX for which I have no knowledge whatsoever. 
There's only one person in the entire state of Ohio with my name so it shouldn't be that hard to track this down. I need answers please.